0001437749-22-027142.txt : 20221114 0001437749-22-027142.hdr.sgml : 20221114 20221114120049 ACCESSION NUMBER: 0001437749-22-027142 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 68 CONFORMED PERIOD OF REPORT: 20220930 FILED AS OF DATE: 20221114 DATE AS OF CHANGE: 20221114 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Farmers & Merchants Bancshares, Inc. CENTRAL INDEX KEY: 0001698022 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 813605835 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-55756 FILM NUMBER: 221382578 BUSINESS ADDRESS: STREET 1: 4510 LOWER BECKLEYSVILLE ROAD STREET 2: SUITE H CITY: HAMPSTEAD STATE: MD ZIP: 21074 BUSINESS PHONE: 4103741510 MAIL ADDRESS: STREET 1: 4510 LOWER BECKLEYSVILLE ROAD STREET 2: SUITE H CITY: HAMPSTEAD STATE: MD ZIP: 21074 10-Q 1 fmfg20220930_10q.htm FORM 10-Q fmfg20220930_10q.htm
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

☒

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

  
 For quarterly period ended September 30, 2022

 

☐

TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT

 For the transition period from _______________ to ________________

 

Commission file number 000-55756

 

Farmers and Merchants Bancshares, Inc.

(Exact name of registrant as specified in its charter)

 

Maryland 81-3605835

(State or other jurisdiction of

incorporation or organization)

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

 

4510 Lower Beckleysville Road, Suite H, Hampstead, Maryland         21074

(Address of principal executive offices)          (Zip Code)

 

(410) 374-1510

(Registrant’s telephone number, including area code)

 

Securities registered pursuant to Section 12(b) of the Act: None.

 

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 periods that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☑ No ☐

 

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

 

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

 

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

 

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

 

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

Yes ☐ No ☑

 

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: 3,053,487 as of November 10, 2022.

 

 
 
 

 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Table of Contents

 

  Page
 

 
PART I – FINANCIAL INFORMATION 3
   
Item 1. Financial Statements 3
   
  Consolidated balance sheets at September 30, 2022 (unaudited) and December 31, 2021 3
     
  Consolidated statements of income (unaudited) for the three and nine months ended September 30, 2022 and 2021 4
     
  Consolidated statements of comprehensive income (loss) (unaudited) for the three and nine months ended September 30, 2022 and 2021 5
     
  Consolidated statements of changes in stockholders’ equity (unaudited) for the three and nine months ended September 30, 2022 and 2021 6
     
  Consolidated statements of cash flows (unaudited) for the nine months ended September 30, 2022 and 2021 7
     
  Notes to financial statements (unaudited) 9
     
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 28
     
Item 3. Quantitative and Qualitative Disclosures About Market Risk 41
   
Item 4. Controls and Procedures 41
   
PART II – OTHER INFORMATION 42
   
Item 1. Legal Proceedings 42
   
Item 1A. Risk Factors 42
   
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 42
   
Item 3. Defaults upon Senior Securities 42
   
Item 4. Mine Safety Disclosures 42
   
Item 5. Other Information 42
   
Item 6. Exhibits 42
   
SIGNATURES 44

 

2
 

  

PART I – FINANCIAL INFORMATION

Item 1 – Financial Statements

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Balance Sheets

(Unaudited)

 

 

 
  

September 30,

  

December 31,

 
  

2022

  

2021

 
         

Assets

     
         

Cash and due from banks

 $14,495,448  $25,258,932 

Federal funds sold and other interest-bearing deposits

  1,536,296   1,203,174 

Cash and cash equivalents

  16,031,744   26,462,106 

Certificates of deposit in other banks

  100,000   350,000 

Securities available for sale, at fair value

  128,614,033   149,237,916 

Securities held to maturity, at cost

  20,537,254   21,851,975 

Equity security, at fair value

  486,237   543,605 

Restricted stock, at cost

  695,000   675,400 

Mortgage loans held for sale

  370,000   126,500 

Loans, less allowance for loan losses of $3,747,178 and $3,650,268

  505,395,375   482,011,334 

Premises and equipment, net

  6,316,605   6,259,421 

Accrued interest receivable

  1,600,382   1,609,063 

Deferred income taxes, net

  8,347,805   2,177,450 

Other real estate owned, net

  1,242,365   1,242,365 

Bank owned life insurance

  14,535,898   11,556,163 

Goodwill and other intangibles, net

  7,044,834   7,051,080 

Other assets

  5,817,259   5,522,877 
  $717,134,791  $716,677,255 
         

Liabilities and Stockholders' Equity

 
         

Deposits

        

Noninterest-bearing

 $131,269,680  $124,175,615 

Interest-bearing

  507,700,154   502,239,055 

Total deposits

  638,969,834   626,414,670 

Securities sold under repurchase agreements

  5,422,642   5,414,026 

Federal Home Loan Bank of Atlanta advances

  5,000,000   5,000,000 

Long-term debt, net of issuance costs

  15,566,458   16,978,905 

Accrued interest payable

  260,266   295,910 

Other liabilities

  6,072,683   5,952,286 
   671,291,883   660,055,797 

Stockholders' equity

        

Common stock, par value $.01 per share, authorized 5,000,000 shares; issued and outstanding 3,053,487 in 2022 and 3,037,137 shares in 2021

  30,535   30,372 

Additional paid-in capital

  29,197,340   28,857,422 

Retained earnings

  34,263,001   29,128,600 

Accumulated other comprehensive loss

  (17,647,968)  (1,394,936)
   45,842,908   56,621,458 
  $717,134,791  $716,677,255 

 

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

 

3
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Income

(Unaudited)

 

 

 
  

Three months ended

  

Nine months ended

 
  

September 30,

  

September 30,

 
  

2022

  

2021

  

2022

  

2021

 
                 

Interest income

                

Loans, including fees

 $5,606,913  $6,059,709  $16,660,625  $17,828,026 

Investment securities - taxable

  783,606   426,886   2,170,154   967,841 

Investment securities - tax exempt

  140,185   149,375   430,495   462,361 

Federal funds sold and other interest earning assets

  55,361   18,298   89,663   47,743 

Total interest income

  6,586,065   6,654,268   19,350,937   19,305,971 
                 

Interest expense

                

Deposits

  313,556   460,377   971,320   1,589,334 

Securities sold under repurchase agreements

  2,874   9,647   8,558   38,130 

Federal Home Loan Bank advances and long-term debt

  177,883   192,255   543,033   570,542 

Total interest expense

  494,313   662,279   1,522,911   2,198,006 

Net interest income

  6,091,752   5,991,989   17,828,026   17,107,965 
                 

Provision for loan losses

  95,000   330,000   95,000   430,000 
                 

Net interest income after provision for loan losses

  5,996,752   5,661,989   17,733,026   16,677,965 
                 

Noninterest income

                

Service charges on deposit accounts

  201,251   187,141   574,444   522,815 

Mortgage banking income

  8,155   207,471   195,829   704,404 

Bank owned life insurance income

  70,479   49,116   179,735   174,602 

Fair value adjustment on equity security

  (17,611)  (2,056)  (62,524)  (10,214)

Gain on sale of SBA loans

  -   6,917   158,123   6,917 

Gain on premium call of debt security

  -   621   -   9,190 

Other fees and commissions

  75,211   82,768   229,326   229,765 

Total noninterest income

  337,485   531,978   1,274,933   1,637,479 
                 

Noninterest expense

                

Salaries

  1,987,991   1,895,780   5,656,643   5,366,854 

Employee benefits

  418,422   388,879   1,367,829   1,299,900 

Occupancy

  229,273   241,557   670,938   737,087 

Furniture and equipment

  203,075   198,190   642,283   578,562 

Other

  945,930   740,722   2,815,182   2,386,982 

Total noninterest expense

  3,784,691   3,465,128   11,152,875   10,369,385 
                 

Income before income taxes

  2,549,546   2,728,839   7,855,084   7,946,059 

Income taxes

  575,236   606,292   1,779,239   1,761,718 

Net income

 $1,974,310  $2,122,547  $6,075,845  $6,184,341 
                 

Earnings per share - basic and diluted

 $0.65  $0.70  $2.00  $2.05 

 

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

 

4
 

 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Comprehensive Income (Loss)

(Unaudited)

 

 

 
  

Three Months Ended

  

Nine Months Ended

 
  

September 30,

  

September 30,

 
  

2022

  

2021

  

2022

  

2021

 
                 

Net income

 $1,974,310  $2,122,547  $6,075,845  $6,184,341 
                 

Other comprehensive loss, net of income taxes:

                
                 

Securities available for sale

                

Net unrealized loss arising during the period

  (5,960,588)  (321,489)  (22,423,388)  (1,428,240)
                 

Reclassification adjustment for realized gains and losses included in net income

  -   621   -   9,190 

Total unrealized loss on investment securities available for sale

                
                 

Income tax benefit

  (1,640,205)  (88,295)  (6,170,356)  (390,487)

Total other comprehensive loss

  (4,320,383)  (232,573)  (16,253,032)  (1,028,563)
                 

Total comprehensive (loss) income

 $(2,346,073) $1,889,974  $(10,177,187) $5,155,778 

 

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

 

5
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Changes in Stockholders’ Equity

Three and nine months Ended September 30, 2022 and 2021

(Unaudited)

 

 

 
          

Additional

      

Accumulated other

  

Total

 
  

Common stock

  

paid-in

  

Retained

  

comprehensive

  

stockholders'

 
  

Shares

  

Par value

  

capital

  

earnings

  

income (loss)

  

equity

 

Three months ended September 30, 2021

                     

Balance, June 30, 2021

  3,023,487  $30,235  $28,557,249  $25,917,571  $(89,713) $54,415,342 

Net income

  -   -   -   2,122,547   -   2,122,547 

Other comprehensive loss

  -   -   -   -   (232,573)  (232,573)
                         

Balance, September 30, 2021

  3,023,487  $30,235  $28,557,249  $28,040,118  $(322,286) $56,305,316 
                         

Nine months ended September 30, 2021

                     

Balance, December 31, 2020

  3,011,255  $30,113  $28,294,139  $22,698,954  $706,277  $51,729,483 

Net income

  -   -   -   6,184,341   -   6,184,341 

Other comprehensive loss

  -   -   -   -   (1,028,563)  (1,028,563)

Cash dividends, $0.28 per share

  -   -   -   (843,177)  -   (843,177)

Dividends reinvested

  12,232   122   263,110   -   -   263,232 
                         

Balance, September 30, 2021

  3,023,487  $30,235  $28,557,249  $28,040,118  $(322,286) $56,305,316 
                         

Three months ended September 30, 2022

                     

Balance, June 30, 2022

  3,053,487  $30,535  $29,197,475  $32,288,555  $(13,327,585) $48,188,980 

Net income

  -   -   -   1,974,310   -   1,974,310 

Other comprehensive loss

  -   -   -   -   (4,320,383)  (4,320,383)

Dividend reinvestment adjustment

  -   -   (135)  136   -   1 
                         

Balance, September 30, 2022

  3,053,487  $30,535  $29,197,340  $34,263,001  $(17,647,968) $45,842,908 
                         

Nine months ended September 30, 2022

                     

Balance, December 31, 2021

  3,037,137  $30,372  $28,857,422  $29,128,600  $(1,394,936) $56,621,458 

Net income

  -   -   -   6,075,845   -   6,075,845 

Other comprehensive loss

  -   -   -   -   (16,253,032)  (16,253,032)

Cash dividends, $0.31 per share

  -   -   -   (941,444)  -   (941,444)

Dividends reinvested

  16,350   163   339,918   -   -   340,081 
                         

Balance, September 30, 2022

  3,053,487  $30,535  $29,197,340  $34,263,001  $(17,647,968) $45,842,908 

 

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

 

6
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Cash Flows

(Unaudited)

 

 

 

Nine Months Ended September 30,

 

2022

  

2021

 
         

Reconciliation of net income to net cash provided by operating activities

        

Net income

 $6,075,845  $6,184,341 

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

        

Depreciation and amortization

  354,814   356,439 

Provision for loan losses

  95,000   430,000 

Amortization of right of use asset

  4,412   14,023 

Equity security dividends reinvested

  (5,156)  (4,997)

Fair value adjustment on equity security

  62,524   10,214 

Gain on sale of SBA loans

  (158,123)  (6,917)

Gain on sale of premises and equipment

  -   (44,510)

Gain on premium call of debt security

  -   (9,190)

Amortization of debt issuance costs

  4,218   4,219 

Amortization of premiums and accretion of discounts, net

  (237,876)  (38,029)

Bank owned life insurance cash surrender value

  (179,735)  (232,983)

Increase (decrease) in

        

Deferred loan fees and costs, net

  (136,377)  105 

Accrued interest payable

  (35,644)  (86,202)

Other liabilities

  228,072   777,175 

Decrease (increase) in

        

Mortgage loans held for sale

  (243,500)  (84,200)

Accrued interest receivable

  8,681   478,044 

Other assets

  (433,594)  493,856 

Net cash provided by operating activities

  5,403,561   8,241,388 

 

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

 

7
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Cash Flows

 

 

Nine Months Ended September 30,

 

2022

  

2021

 
         
         

Cash flows from investing activities

        

Proceeds from maturity and call of securities

        

Available for sale

  15,121,772   24,273,762 

Held to maturity

  1,398,420   2,121,989 

Purchase of securities

        

Available for sale

  (17,278,216)  (92,992,748)

Held to maturity

  -   (842,061)

Maturity of certificates of deposit

  250,000   500,000 

Loans made to customers, net of principal collected

  (24,044,676)  25,701,580 

Proceeds from sale of SBA loans

  1,250,154   61,595 

Redemption (purchase) of stock in FHLB of Atlanta

  (19,600)  225,100 

Purchase of bank owned life insurance

  (2,800,000)  (28,855)

Purchase of annuity

  -   (3,671,145)

Proceeds from sale of premises and equipment

  -   1,387,613 

Purchases of premises, equipment and software

  (384,873)  (227,010)

Net cash used in investing activities

  (26,507,019)  (43,490,180)
         

Cash flows from financing activities

        

Net increase (decrease) in

        

Noninterest-bearing deposits

  7,094,065   22,686,309 

Interest-bearing deposits

  5,588,443   26,047,473 

Securities sold under repurchase agreements

  8,616   (14,278,851)

Long-term debt principal payments

  (1,416,665)  - 

Dividends paid, net of reinvestments

  (601,363)  (579,945)
         

Net cash provided by financing activities

  10,673,096   33,874,986 
         

Net decrease in cash and cash equivalents

  (10,430,362)  (1,373,806)
         

Cash and cash equivalents at beginning of period

  26,462,106   40,975,670 

Cash and cash equivalents at end of period

 $16,031,744  $39,601,864 
         

Supplementary disclosure of cash flow information:

        

Cash paid during the period for interest

 $1,675,435  $2,476,513 

Cash paid during the period for income taxes

  2,531,122   1,065,000 

Supplementary disclosure of noncash investing an financing activities:

     

Net unrealized loss on securities available for sale

 $(22,423,388) $(1,428,240)

 

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

 

8
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements

(Unaudited)

 

 

1.          Principles of consolidation

 

The consolidated financial statements include the accounts of Farmers and Merchants Bancshares, Inc. and its wholly owned subsidiaries, Farmers and Merchants Bank (the “Bank”), and Series Protected Cell FCB-4 (the “Insurance Subsidiary”), and one subsidiary of the Bank, Reliable Community Financial Services, Inc. (collectively the “Company”, “we”, “us”, or “our”). The Insurance Subsidiary constitutes an investment by Farmers and Merchants Bancshares, Inc. in 100% of a series of membership interests issued by First Community Bankers Insurance Co., LLC, a Tennessee “series” limited liability company and licensed property and casualty insurance company. Intercompany balances and transactions, including the insurance premium paid by the Bank to the Insurance Subsidiary through an intermediary, have been eliminated.

 

 

2.          Basis of Presentation

 

The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and in accordance with the instructions to Form 10-Q and Rule 8-03 of Regulation S-X. Accordingly, they do not include all of the disclosures required by accounting principles generally accepted in the United States of America (“GAAP”) for complete financial statements. In the opinion of management, all adjustments necessary for a fair presentation of the results of operations for the interim periods have been made. Such adjustments were normal and recurring in nature. The results of operations for the three- and nine- month periods ended September 30, 2022 do not necessarily reflect the results that may be expected for the fiscal year ending December 31, 2022 or any future interim period. The consolidated financial statements should be read in conjunction with the audited consolidated financial statements and related notes for the year ended December 31, 2021, which are included in Farmers and Merchants Bancshares, Inc.’s Annual Report on Form 10-K for the year ended December 31, 2021 that was filed with the Securities and Exchange Commission (the “SEC”).

 

Recent Accounting Pronouncements

 

In June 2016, FASB issued Accounting Standards Update (“ASU”) 2016‑13, “Financial Instruments – Credit Losses”. The ASU sets forth a “current expected credit loss” (CECL) model that requires the Company to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions, and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. ASU 2019-10 “Financial Instruments – Credit Losses (Topic 326), Derivatives and hedging (Topic 815), and Leases (Topic 842): Effective Dates” extended the implementation date to January 1, 2023 for SEC-registered smaller reporting companies and private companies. The Company is a smaller reporting company. The Company has engaged a third-party vendor to assist in the implementation of this ASU. The CECL model is being run parallel with the current calculation of the allowance for loan losses during 2022. The detailed loan data was successfully uploaded to the new model for both March 31, June 30, 2022, and September 30, 2022. Loan categories have been finalized and qualitative factors are being fine-tuned. Model validation is in process. Several members of the Company’s senior management and credit administration teams are participating in the implementation.

 

9
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

2. Basis of Presentation (continued)

 

 

In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 843)”: Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU Provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effect of) reference rate reform, on financial reporting. The risk of termination of the London Interbank Offered Rate (LIBOR), has caused regulators to undertake reference rate reform initiatives to identify alternative reference rates that are more observable or transaction based that are less susceptible to manipulation. ASU 2020-04 is effective between March 12, 2020 and December 31, 2022. The Company has identified its products that utilize LIBOR and has begun efforts to transition to the Secured Overnight Financing Rate in 2023. Borrowers have been notified of the pending change.

 

In March 2022, the FASB issued ASU No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures.” ASU 2022-02 addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU 2016-13) that introduced the CECL model. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The amendments in this ASU should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. For entities that have adopted ASU 2016-13, ASU 2022-02 is effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. For entities that have not yet adopted ASU 2016-13, the effective dates for ASU 2022-02 are the same as the effective dates in ASU 2016-13. Early adoption is permitted if an entity has adopted ASU 2016-13. An entity may elect to early adopt the amendments about TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company is currently assessing the impact that ASU 2022-02 will have on its consolidated financial statements.

 

The accounting policies adopted by management are consistent with authoritative GAAP and are consistent with those followed by our peers.

 

10
 
  

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

 

3.          Investment Securities

 

Investments in debt securities are summarized as follows:

 

   

Amortized

    

Unrealized

    

Unrealized

    

Fair

  

September 30, 2022

  

cost

    

gains

    

losses

    

value

  
                                 

Available for sale

                                
                                 

State and municipal

   $ 570,310     $ -     $ 22,581     $ 547,729  

SBA pools

     1,119,622       1,796       15,363       1,106,055  

Corporate bonds

     10,429,690       -       1,001,138       9,428,552  

Mortgage-backed securities

     140,842,314       152       23,310,769       117,531,697  
    $ 152,961,936     $ 1,948     $ 24,349,851     $ 128,614,033  
                                 

Held to maturity

                                
                                 

State and municipal

   $ 20,537,254     $ 1,375     $ 2,112,198     $ 18,426,431  

 

   

Amortized

    

Unrealized

    

Unrealized

    

Fair

  

December 31, 2021

  

cost

    

gains

    

losses

    

value

  
                                 

Available for sale

                                
                                 

State and municipal

   $ 753,061     $ 10,437     $ -     $ 763,498  

SBA pools

     1,418,770       1,656       22,664       1,397,762  

Corporate bonds

     9,225,153       64,595       55,541       9,234,207  

Mortgage-backed securities

     139,765,445       336,084       2,259,080       137,842,449  
    $ 151,162,429     $ 412,772     $ 2,337,285     $ 149,237,916  
                                 

Held to maturity

                                
                                 

State and municipal

   $ 21,851,975     $ 1,020,877     $ 67,251     $ 22,805,601  

 

11
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

3.          Investment Securities (continued)

 

Contractual maturities, shown below, will differ from actual maturities because borrowers and issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

   

Available for Sale

    

Held to Maturity

  
   

Amortized

    

Fair

    

Amortized

    

Fair

  

September 30, 2022

  

cost

    

value

    

cost

    

value

  
                                 

Within one year

   $ 70,310     $ 69,699     $ 330,000     $ 330,172  

Over one to five years

     3,602,980       3,415,812       473,510       464,965  

Over five to ten years

     7,326,710       6,490,770       2,246,345       2,088,287  

Over ten years

     -       -       17,487,399       15,543,007  
      11,000,000       9,976,281       20,537,254       18,426,431  

Mortgage-backed securities and

                                

SBA pools, due in monthlyinstallments

     141,961,936       118,637,752       -       -  
    $ 152,961,936     $ 128,614,033     $ 20,537,254     $ 18,426,431  

 

 

Securities with a carrying value of $14,245,224 and $14,307,989 as of September 30, 2022 and December 31, 2021, respectively, were pledged as collateral for government deposits and securities sold under repurchase agreements.

 

During the nine months ended September 30, 2022, there were no sales of securities. During the nine months ended September 30, 2021, the Company received proceeds of $1,263,845 from the call at a premium of available for sale investment securities. The Company realized a $9,190 gain on the call of the securities.

 

12
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

3.          Investment Securities (continued)

 

The following table sets forth the Company’s gross unrealized losses on a continuous basis for investments in debt securities, by category and length of time, at September 30, 2022 and December 31, 2021.

 

September 30, 2022

  

Less than 12 months

    

12 months or more

    

Total

  

Description of investments

  

Fair Value

    

Unrealized

Loss

    

Fair Value

    

Unrealized

Loss

    

Fair Value

    

Unrealized

Loss

  
                                                 

State and municipal

   $ 13,564,241     $ 1,565,843     $ 1,556,463     $ 568,936     $ 15,120,704     $ 2,134,779  

SBA pools

     -       -       923,700       15,363       923,700       15,363  

Corporate bonds

     8,039,155       875,570       989,397       125,568       9,028,552       1,001,138  

Mortgage-backed securities

     64,335,274       10,303,353       53,002,811       13,007,416       117,338,085       23,310,769  

Total

   $ 85,938,670     $ 12,744,766     $ 56,472,371     $ 13,717,283     $ 142,411,041     $ 26,462,049  

 

December 31, 2021

  

Less than 12 months

    

12 months or more

    

Total

  

Description of investments

  

Fair value

    

Unrealized

loss

    

Fair value

    

Unrealized

loss

    

Fair value

    

Unrealized

loss

  
                                                 

State and municipal

   $ 1,324,648     $ 35,720     $ 715,650     $ 31,531     $ 2,040,298     $ 67,251  

SBA pools

     -       -       1,133,398       22,664       1,133,398       22,664  

Corporate bonds

     5,443,886       55,541       -       -       5,443,886       55,541  

Mortgage-backed securities

     117,840,965       2,034,858       4,781,586       224,222       122,622,551       2,259,080  

Total

   $ 124,609,499     $ 2,126,119     $ 6,630,634     $ 278,417     $ 131,240,133     $ 2,404,536  

 

 

Held to maturity securities are securities that the Company has both the ability and the intent to hold until they mature, at which time the Company should receive full value for the securities. As of September 30, 2022 and December 31, 2021, management did not have the intent to sell any of the held to maturity or available for sale securities with unrealized losses before a recovery of cost. The unrealized losses detailed in the table above were due to increases in market interest rates over the yields available at the time the underlying securities were purchased as well as other market conditions for each particular security based upon the structure and remaining principal balance. The fair values of the debt securities are expected to recover as the securities approach their maturity dates or repricing dates or if market yields for such investments decline. Based on the foregoing factors, as of September 30, 2022 and December 31, 2021, management believes that these unrealized losses are temporary and, accordingly, they have not been recognized in the Company’s consolidated statements of income. At September 30, 2022, 179 available for sale securities and 38 held to maturity securities had unrealized losses.

 

At September 30, 2022, none of the available for sale securities or held to maturity securities were other-than-temporarily impaired. In determining whether other-than-temporary impairment exists, management considers many factors, including (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer, and (iii) whether the Bank intends to sell the security, whether it is more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis, and whether the Bank expects to recover the security’s entire amortized cost basis. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.

 

13
 
  

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

 

4.         Loans

Major categories of loans are as follows:

 

   

September 30,

    

December 31,

  
   

2022

    

2021

  

Real estate:

                

Commercial

   $ 342,620,080     $ 319,185,116  

Construction and land development

     24,416,365       28,221,854  

Residential

     113,435,287       107,436,033  

Commercial

     28,885,402       31,182,206  

Consumer

     368,607       355,958  
      509,725,741       486,381,167  

Less: Allowance for loan losses

     3,747,178       3,650,268  

Deferred origination fees net of costs

     583,188       719,565  
    $ 505,395,375     $ 482,011,334  

 

Commercial loans in the table above include $0.7 million and $9.7 million of Paycheck Protection Program (“PPP”) loans as of September 30, 2022 and December 31, 2021, respectively, which are 100% guaranteed by the Small Business Administration (“SBA”). $60 million were originated during 2021 and 2020 and we collected approximately $2,323,000 in fees from the SBA. The fees, net of related origination costs, are being recognized as interest income over the term of the loans using the straight-line method, with accelerated recognition when the loan pays off before maturity through SBA forgiveness or other means. Income from PPP loans, net of taxes, added approximately $181,000 for the nine months ended September 30, 2022 compared to $679,000 for the same period in 2021.

 

Nonaccrual loans, segregated by class of loans, were as follows:

 

   

September 30,

    

December 31,

  
   

2022

    

2021

  

Commercial real estate

   $ 502,961     $ 4,810,965  

Residential real estate

     31,500       31,500  

Commercial

     152,449       152,449  
    $ 686,910     $ 4,994,914  

 

At September 30, 2022, the Company had one nonaccrual commercial real estate loan totaling $502,961, one nonaccrual residential real estate loan totaling $31,500, and one nonaccrual commercial loan totaling $152,449. The loans were secured by real estate, business assets, and personal guarantees. Gross interest income of $38,155 would have been recorded for the nine months ended September 30, 2022 had these nonaccrual loans been current and performing in accordance with their original terms. The Company allocated $281,910 of its allowance for loan losses to these nonaccrual loans. The recorded investment of the nonaccrual loans was net of charge-offs and a nonaccretable discount totaling $8,176 at September 30, 2022. The decrease in commercial real estate nonaccrual loans from December 31, 2021 to September 30, 2022 was due to a loan with a principal balance of approximately $4.3 million at December 31, 2021 resuming full principal and interest payments in July 2022.

 

14
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (continued)

 

At December 31, 2021, the Company had two nonaccrual commercial real estate loan totaling $4,810,965 and one nonaccrual residential real estate loan totaling $31,500, and one commercial loan totaling $152,449. The real estate loans were secured by real estate and business assets and were personally guaranteed. The commercial loan was secured by business assets and was personally guaranteed. Gross interest income of $219,734 would have been recorded in 2021 if these nonaccrual loans had been current and performing in accordance with their original terms. The Company allocated $281,910 of its allowance for loan losses to these nonaccrual loans. The balance of nonaccrual loans was net of charge-offs and a nonaccretable discount totaling $27,146 at December 31, 2021.

 

An age analysis of past due loans, segregated by type of loan, is as follows:

 

                 

90 Days

                            

Past Due 90

  
 

30 - 59 Days

    

60 - 89 Days

    

or More

    

Total

            

Total

    

Days or More

  
 

Past Due

    

Past Due

    

Past Due

    

Past Due

    

Current

    

Loans

    

and Accruing

  

September 30, 2022

                                                      

Real estate:

                                                      

Commercial

 $ -     $ 166,386     $ 502,961     $ 669,347     $ 341,950,733     $ 342,620,080     $ -  

Construction and land development

   -       -       -       -       24,416,365       24,416,365       -  

Residential

   -       -       31,500       31,500       113,403,787       113,435,287       -  

Commercial

   -       -       152,449       152,449       28,732,953       28,885,402       -  

Consumer

   -       -       -       -       368,607       368,607       -  

Total

 $ -     $ 166,386     $ 686,910     $ 853,296     $ 508,872,445     $ 509,725,741     $ -  
                                                       

December 31, 2021

                                                      

Real estate:

                                                      

Commercial

 $ -     $ -     $ 502,961     $ 502,961     $ 318,682,155     $ 319,185,116     $ -  

Construction and land development

   -       -       -       -       28,221,854       28,221,854       -  

Residential

   -       -       249,161       249,161       107,186,872       107,436,033       217,661  

Commercial

   -       -       415,690       415,690       30,766,516       31,182,206       263,241  

Consumer

   -       -       -       -       355,958       355,958       -  

Total

 $ -     $ -     $ 1,167,812     $ 1,167,812     $ 485,213,355     $ 486,381,167     $ 480,902  

 

15
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (continued)

 

Impaired loans, segregated by class of loans with average recorded investment and interest recognized for the nine months ended September 30, 2022 and the year ended December 31, 2021, are set forth in the following table:

 

   

Unpaid

    

Recorded

    

Recorded

                                  
   

Contractual

    

Investment

    

Investment

    

Total

            

Average

          
   

Principal

    

With No

    

With

    

Recorded

    

Related

    

Recorded

    

Interest

  
   

Balance

    

Allowance

    

Allowance

    

Investment

    

Allowance

    

Investment

    

Recognized

  

September 30, 2022

                                                        

Commercial real estate

   $ 7,210,361     $ 6,707,400     $ 502,961     $ 7,210,361     $ 129,461     $ 7,015,647     $ 141,479  

Residential real estate

     34,954       34,954       -       34,954       -       37,091       1,104  

Commercial

     152,449       -       152,449       152,449       152,449       152,449       -  
      7,397,764       6,742,354       655,410       7,397,764       281,910       7,205,187       142,583  
                                                         

September 30, 2021

                                                        

Commercial real estate

   $ 6,875,087     $ 6,367,416     $ 408,198     $ 6,775,614     $ 99,473     $ 3,387,807     $ 77,603  

Residential real estate

     40,626       40,626       -       40,626       -       39,927       -  

Commercial

     154,469       -       -       -       154,469       76,225       1,271  
    $ 7,070,182     $ 6,408,042     $ 408,198     $ 6,816,240     $ 253,942     $ 3,503,959     $ 78,874  

December 31, 2021

                                                        

Commercial real estate

   $ 6,820,932     $ 6,317,971     $ 502,961     $ 6,820,932     $ 129,461     $ 6,740,539     $ 125,079  

Residential real estate

     39,228       39,228       -       39,228       -       41,981       1,672  

Commercial

     152,449       -       152,449       152,449       152,449       76,225       69,005  
    $ 7,012,609     $ 6,357,199     $ 655,410     $ 7,012,609     $ 281,910     $ 6,858,745     $ 195,756  

 

Impaired loans include TDRs which are loans that have been modified to provide economic concessions to borrowers who have experienced financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months.

 

At September 30, 2022, the Company had two commercial real estate loans totaling $6,540,014 and one residential real estate loan totaling $34,954 that were classified as TDRs. One of the commercial real estate loans with a principal balance of $4,567,456 was restructured as TDRs during the 9 months ended September 30, 2022. All are included in impaired loans above. At September 30, 2022, all three loans were paying as agreed. There have been no charge-offs or allowances associated with these loans.

 

At December 31, 2021, the Company had one commercial real estate loan totaling $2,009,967 and one residential real estate loan totaling $39,288 classified as TDRs. Both loans are included in impaired loans above and were paying as agreed. There have been no charge-offs or allowances associated with these loans.

 

16
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (continued)

 

As part of our portfolio risk management, the Company assigns a risk grade to each loan. The factors used to determine the grade are the payment history of the loan and the borrower, the value of the collateral and net worth of the guarantor, and cash flow projections of the borrower. Excellent, Above Average, Average and Acceptable grades are assigned to loans with limited or no delinquent payments and more than sufficient collateral and/or cash flow.

 

A description of the general characteristics of loans characterized as watch list or classified is as follows:

 

Pass/Watch

Loans graded as Pass/Watch are secured by generally acceptable assets which reflect above-average risk. The loans warrant closer scrutiny by management than is routine, due to circumstances affecting the borrower, the borrower’s industry, or the overall economic environment. Borrowers may reflect weaknesses such as inconsistent or weak earnings, break even or moderately deficit cash flow, thin liquidity, minimal capacity to increase leverage, or volatile market fundamentals or other industry risks. Such loans are typically secured by acceptable collateral, at or near appropriate margins, with realizable liquidation values.

 

Special Mention

A special mention loan is a loan that management believes has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Special mention loans are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

 

Borrowers may exhibit poor liquidity and leverage positions resulting from generally negative cash flow or negative trends in earnings. Access to alternative financing may be limited to finance companies for business borrowers and may be unavailable for commercial real estate borrowers.

 

Substandard

A substandard loan is a loan that management believes is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Such loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

 

Borrowers may exhibit recent or unexpected unprofitable operations, an inadequate debt service coverage ratio, or marginal liquidity and capitalization. Substandard loans require more intense supervision by Company management.

 

Doubtful

A doubtful loan is a loan that management believes has all of the weaknesses inherent in a substandard loan with the added characteristic that the weaknesses, based on currently existing facts, conditions, and values, make collection or liquidation in full highly questionable and improbable.

 

17
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (continued)

 

Loans by credit grade, segregated by loan type, are as follows:

 

       

Above

              

Pass

  

Special

                    

September 30, 2022

Excellent

  

average

  

Average

  

Acceptable

  

watch

  

mention

  

Substandard

  

Doubtful

  

Total

  
                                                       

Real estate:

                                                      

Commercial

 $ -   $ 18,082   $ 69,687,996   $ 186,657,806   $ 76,663,355   $ 166,386   $ 9,426,455   $ -   $ 342,620,080  

Construction and land development

   -     -     3,664,371     13,405,947     7,346,047     -     -     -     24,416,365  

Residential

   11,139     592,377     41,671,626     61,873,489     6,958,191     -     2,328,465     -     113,435,287  

Commercial

   772,026     -     8,742,069     15,547,728     3,671,130     -     152,449     -     28,885,402  

Consumer

   2,007     18,292     108,459     214,861     7,996     -     -     16,992     368,607  
  $ 785,172   $ 628,751   $ 123,874,521   $ 277,699,831   $ 94,646,719   $ 166,386   $ 11,907,369   $ 16,992   $ 509,725,741  

 

       

Above

              

Pass

  

Special

                    

December 31, 2021

Excellent

  

average

  

Average

  

Acceptable

  

watch

  

mention

  

Substandard

  

Doubtful

  

Total

  
                                                       

Real estate:

                                                      

Commercial

 $ -   $ 1,225,732   $ 73,924,748   $ 146,174,439   $ 82,018,890   $ 3,345,788   $ 12,495,519   $ -   $ 319,185,116  

Construction and land development

   -     -     3,853,775     12,452,257     9,973,457     1,942,365     -     -     28,221,854  

Residential

   41,152     708,162     46,358,477     48,295,430     9,570,815     -     2,461,997     -     107,436,033  

Commercial

   9,774,570     -     5,292,721     12,585,396     3,377,070     -     152,449     -     31,182,206  

Consumer

   5,813     168,037     147,903     2,280     11,298     -     -     20,627     355,958  
  $ 9,821,535   $ 2,101,931   $ 129,577,624   $ 219,509,802   $ 104,951,530   $ 5,288,153   $ 15,109,965   $ 20,627   $ 486,381,167  

 

The principal balances of loans in the Pass/Watch category as of September 30, 2022 and December 31, 2021 include loans that were granted payment deferrals due to COVID-19. The loans were downgraded to the Pass/Watch category if they were in a higher rated category at the time the deferral was granted. Loans that completed their deferral and are making scheduled payments again are being re-evaluated on a loan-by-loan basis to determine if they warrant upgrading.

 

The Company’s allowance for loan losses is based on management’s evaluation of the risks inherent in the Company’s loan portfolio and the general economy. The allowance for loan losses is maintained at the amount management considers adequate to cover estimated losses in loans receivable that are deemed probable based on information currently known to management. The allowance is based upon a number of factors, including current economic conditions, actual loss experience by pools of similar loans, diversification and size of the portfolio, adequacy of the collateral, the amount of non-performing loans and industry trends. In addition, various regulatory agencies, as an integral part of their examination processes, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to make additional provisions for estimated loan losses based upon judgments different from those of management.

 

18
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (Continued)

 

The following table details activity in the allowance for loan losses and loan balances by portfolio as of and for the nine-month periods ended September 30, 2022 and 2021 and for the year ended December 31, 2021. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

 

                                         

Allowance for loan losses ending

    

Outstanding loan balances

  
         

Provision for

                            

balance evaluated for impairment:

    

evaluated for impairment:

  
 

Beginning

    

(recovery of)

    

Charge

            

Ending

    

Purchase Credit

    

Purchase Credit

  

September 30, 2022

balance

    

loan losses

    

offs

    

Recoveries

    

balance

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                       

Real estate:

                                                                                      

Commercial

 $ 2,482,930     $ 126,385     $ (7,772 )   $ -     $ 2,601,543     $ 129,461     $ -     $ 2,472,082     $ 7,210,361     $ -     $ 335,409,719  

Construction and land development

   214,547       (69,938 )     -       12,150       156,759       -       -       156,759       -       -       24,416,365  

Residential

   603,558       67,729       -       -       671,287       -       -       671,287       34,954       375,844       113,024,489  

Commercial

   255,413       35,949       (2,468 )     -       288,894       152,449       -       136,445       152,449       242,382       28,490,571  

Consumer

   4,370       (383 )     -       -       3,987       -       -       3,987       -       -       368,607  

Unallocated

   89,450       (64,742 )     -       -       24,708       -       -       24,708       -       -       -  
  $ 3,650,268     $ 95,000     $ (10,240 )   $ 12,150     $ 3,747,178     $ 281,910     $ -     $ 3,465,268     $ 7,397,764     $ 618,226     $ 501,709,751  

 

                                         

Allowance for loan losses ending

    

Outstanding loan balances

  
         

Provision for

                            

balance evaluated for impairment:

    

evaluated for impairment:

  
 

Beginning

    

(recovery of)

    

Charge

            

Ending

    

Purchase Credit

    

Purchase Credit

  

September 30, 2021

balance

    

loan losses

    

offs

    

Recoveries

    

balance

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                       

Real estate:

                                                                                      

Commercial

 $ 2,230,129     $ 348,650     $ -     $ 9,500     $ 2,588,279     $ 99,473     $ -     $ 2,488,806     $ 6,875,087     $ 87,708     $ 309,189,806  

Construction and land development

   201,692       32,105       -       12,150       245,947       -       -       245,947       -       1,531,846       27,136,796  

Residential

   644,639       (28,549 )     (18,970 )     -       597,120       -       -       597,120       40,626       570,860       113,982,176  

Commercial

   111,390       125,133       -       15,000       251,523       154,469       -       97,054       154,469       -       40,500,608  

Consumer

   2,138       1,863       -       -       4,001       -       -       4,001       -       -       379,530  

Unallocated

   106,550       (49,202 )     -       -       57,348       -       -       57,348       -       -       -  
  $ 3,296,538     $ 430,000     $ (18,970 )   $ 36,650     $ 3,744,218     $ 253,942     $ -     $ 3,490,276     $ 7,070,182     $ 2,190,414     $ 491,188,916  

 

                                         

Allowance for loan losses ending

    

Outstanding loan balances

  
         

Provision for

                            

balance evaluated for impairment:

    

evaluated for impairment:

  
 

Beginning

    

(recovery of)

    

Charge

            

Ending

    

Purchase Credit

    

Purchase Credit

  

December 31, 2021

balance

    

loan losses

    

offs

    

Recoveries

    

balance

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                       

Real estate:

                                                                                      

Commercial

 $ 2,230,129     $ 241,301     $ -     $ 11,500     $ 2,482,930     $ 129,461     $ -     $ 2,353,469     $ 6,820,932     $ 56,825     $ 312,307,359  

Construction and land development

   201,692       (3,345 )     -       16,200       214,547       -       -       214,547       -       383,666       27,838,188  

Residential

   644,639       (22,111 )     (18,970 )     -       603,558       -       -       603,558       39,228       568,151       106,828,654  

Commercial

   111,390       129,023       -       15,000       255,413       152,449       -       102,964       152,449       -       31,029,757  

Consumer

   2,138       2,232       -       -       4,370       -       -       4,370       -       -       355,958  

Unallocated

   106,550       (17,100 )     -       -       89,450       -       -       89,450       -       -       -  
  $ 3,296,538     $ 330,000     $ (18,970 )   $ 42,700     $ 3,650,268     $ 281,910     $ -     $ 3,368,358     $ 7,012,609     $ 1,008,642     $ 478,359,916  

 

19
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (Continued)

 

The following table provides activity for the accretable credit discount of purchased loans:

 

   

2022

  
         

Balance at December 31, 2021

   $ 1,629,242  

Accretion

     575,746  

Balance at September 30, 2022

   $ 1,053,496  

 

 

At September 30, 2022, the nonaccretable discount on purchased impaired loans was $241,587, a decrease of $225,000 from December 31, 2021 as a result of one of the loans paying off in full. At September 30, 2022, the accretable discount on purchased impaired loans was $0 after the accretion of $140,608. At September 30, 2022, the remaining yield premium on purchased loans was $994,406. At September 30, 2022, the principal balance of purchased loans was $88,567,633 and the carrying value was $88,266,956. At September 30, 2022, there were no residential real estate loans in the process of foreclosure.

 

 

5.         Goodwill and Other Intangibles

 

The acquisition of Carroll Bancorp, Inc. in October of 2020 resulted in the recording of goodwill and core deposit intangible (“CDI”). The following table presents the changes in both assets:

 

   

Goodwill

    

CDI

    

Total

  
                         

Balance at December 31, 2021

   $ 6,978,208     $ 72,872     $ 7,051,080  

Amortization

     -       (6,246 )     (6,246 )

Balance at September 30, 2022

   $ 6,978,208     $ 66,626     $ 7,044,834  

 

The CDI is being amortized over 10 years on a straight-line basis. Annual amortization will be $8,328 for each of the years ended December 31, 2022 through 2029 and $6,246 in 2030. Since the merger was a tax-free reorganization, goodwill and CDI are not deductible for income tax purposes.

 

 

6.         Lease Commitments

 

The Company and its subsidiaries are obligated under operating leases for certain office premises.

 

The following table shows operating lease right of use assets and operating lease liabilities as of September 30, 2022 and December 31, 2021:

 

 

Consolidated Balance

                
 

Sheet classification

  

September 30, 2022

    

December 31, 2021

  

Operating lease right of use asset

Other assets

   $ 981,295     $ 1,093,382  

Operating lease liabilities

Other liabilities

     1,203,895       1,311,570  

 

Operating lease cost included in occupancy expense in the statement of income for the three months ended September 30, 2022 and 2021 was $47,308 and $43,178, respectively. Operating lease cost included in occupancy expense in the statement of income for the nine months ended September 30, 2022 and 2021 was $142,160 and $144,529, respectively.

 

20
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

6.         Lease Commitments (continued)

 

A maturity analysis of operating lease liabilities, including those option years for which the Company is reasonably certain to renew, and reconciliation of the undiscounted cash flows to the total operating lease liabilities are as follows:

 

 

Year

    

Amount

  
           

2022

     $ 46,700  

2023

       190,356  

2024

       195,946  

2025

       201,713  

2026

       207,664  

Thereafter

       495,063  

Total undiscounted cash flow

       1,337,442  

Discount

       (133,547 )

Lease liabilities

     $ 1,203,895  

 

For operating leases as of September 30, 2022, the weighted average remaining lease term is 6.8 years and the weighted average discount rate is 3.25%. During the nine-month periods ended September 30, 2022 and 2021, cash paid for amounts included in the measurement of lease liabilities was $137,748 and $130,506, respectively.

 

 

7.         Capital Standards

 

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

 

Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios (set forth in the table below) of Common Equity Tier 1 capital, Tier 1 capital, and Total capital (as defined in the regulations) to risk‑weighted assets (as defined), and of Tier 1 capital to adjusted quarterly average assets (as defined).

 

In connection with the adoption of the Basel III Capital Rules, the Bank elected to opt-out of the requirement to include accumulated other comprehensive income in Common Equity Tier 1 capital. Common Equity Tier 1 capital for the Bank is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities and subject to transition provisions.

 

Insured depository institutions are required to meet the following in order to qualify as “well capitalized”: (i) a common equity Tier 1 risk-based capital ratio of 6.5%; (ii) a Tier 1 risk-based capital ratio of 8%; (iii) a total risk-based capital ratio of 10%; and (iv) a Tier 1 leverage ratio of 5%.

 

21
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

7.         Capital Standards (continued)

 

The implementation of the capital conservation buffer began on January 1, 2016 at the 0.625% level and was phased in over a four-year period (increasing by that amount on each subsequent January 1, until it reached 2.5% on January 1, 2019). The Basel III Capital Rules also provide for a “countercyclical capital buffer” that is applicable to only certain covered institutions and does not have current applicability to the Bank. As of September 30, 2022, the Bank met all capital adequacy requirements under the Basel III Capital Rules on a fully phased‑in basis.

 

The aforementioned capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a ratio of Common Equity Tier 1 capital to risk-weighted assets above the minimum but below the conservation buffer (or below the combined capital conservation buffer and countercyclical capital buffer, when the latter is applied) will face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall.

 

The following table presents actual and required capital ratios as of September 30, 2022 and December 31, 2021 for the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of September 30, 2022 and December 31, 2021 based on the phase-in provisions of the Basel III Capital Rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules. Capital ratios of the Company are substantially the same as the Bank’s.

 

                   

Minimum

    

To Be Well

  

(Dollars in thousands)

  

Actual

    

Capital Adequacy

    

Capitalized

  

September 30, 2022

  

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

  
                                                 

Total capital (to risk-weighted assets)

   $ 73,913       12.82 %   $ 60,520       10.50 %   $ 57,638       10.00 %

Tier 1 capital (to risk-weighted assets)

     70,166       12.17 %     48,992       8.50 %     46,110       8.00 %

Common equity tier 1 (to risk-weighted assets)

     70,166       12.17 %     40,347       7.00 %     37,465       6.50 %

Tier 1 leverage (to average assets)

     70,166       9.73 %     28,835       4.00 %     36,044       5.00 %
                                                 
                                                 

 

                   

Minimum

    

To Be Well

  

(Dollars in thousands)

  

Actual

    

Capital Adequacy

    

Capitalized

  

December 31, 2021

  

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

  
                                                 

Total capital (to risk-weighted assets)

   $ 69,957       13.24 %   $ 55,471       10.50 %   $ 52,830       10.00 %

Tier 1 capital (to risk-weighted assets)

     66,307       12.55 %     44,905       8.50 %     42,264       8.00 %

Common equity tier 1 (to risk-weighted assets)

     66,307       12.55 %     36,981       7.00 %     34,339       6.50 %

Tier 1 leverage (to average assets)

     66,307       9.27 %     28,614       4.00 %     35,767       5.00 %

 

To be categorized as well capitalized, the Bank must maintain ratios as set forth in the table. As of September 30, 2022, the most recent notification from the Federal Deposit Insurance Corporation (the “FDIC”) categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There have been no conditions or events since that notification that management believes have changed the Bank’s category.

 

The FDIC, through formal or informal agreement, has the authority to require an institution to maintain higher capital ratios than those provided by statute, to be categorized as well capitalized under the regulatory framework for prompt corrective action.

 

22
 
  

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

 

8.         Fair Value

 

In accordance with ASC 820, “Fair Value Measurements and Disclosure”, the Bank uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability (“an exit price”) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Bank’s various financial instruments. 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. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.

 

The fair value guidance provides a consistent definition of fair value, which focuses on exit price in the principal or most advantageous market for the asset or liability in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is the most representative of fair value under current market conditions.

 

In accordance with the guidance, a hierarchy of valuation techniques is 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. The three levels of the fair value hierarchy under ASC 820 based on these two types of inputs are as follows:

 

 

●

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

 

 

●

Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, and other inputs that are observable or can be corroborated by observable market data.

 

 

●

Level 3: Significant unobservable inputs that reflect the Company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

 

The Company uses the following methods and significant assumptions to estimate the fair values of the following assets:

 

 

●

Securities available for sale: The fair values of securities available for sale are determined by obtaining quoted prices from a nationally recognized securities pricing agent. If quoted market prices are not available, fair value is determined using quoted market prices for similar securities.

 

 

●

Equity security at fair value: The Company’s investment in an equity mutual fund is valued based on the net asset value of the fund, which is classified as Level 1.

 

23
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

8.         Fair Value (continued)

 

 

●

Other real estate owned (“OREO”): Nonrecurring fair value adjustments to OREO reflect full or partial write-downs that are based on the OREO’s observable market price or current appraised value of the real estate. Since the market for OREO is not active, OREO subjected to nonrecurring fair value adjustments based on the current appraised value of the real estate are classified as Level 3. The appraised value is obtained annually from an independent third party appraiser and is reduced by expected sales costs, which has historically been 10% of the appraised value.

 

 

●

Impaired loans: Nonrecurring fair value adjustments to impaired loans reflect full or partial write-downs and reserves that are based on the impaired loan’s observable market price or current appraised value of the collateral. Since the market for impaired loans is not active, such loans subjected to nonrecurring fair value adjustments based on the current appraised value of the collateral are classified as Level 3. The appraised value is obtained annually from an independent third party appraiser and is reduced by expected sales costs, which has historically been 10% of the appraised value.

 

The following table summarizes financial assets measured at fair value on a recurring and nonrecurring basis as of September 30, 2022 and December 31, 2021, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:

 

   

Carrying Value:

  
   

Level 1

    

Level 2

    

Level 3

    

Total

  

September 30, 2022

                                
                                 

Recurring:

                                

Available for sale securities

                                

State and municipal

   $ -     $ 547,729     $ -     $ 547,729  

SBA pools

     -       1,106,055       -       1,106,055  

Corporate bonds

     -       9,428,552       -       9,428,552  

Mortgage-backed securities

     -       117,531,697       -       117,531,697  
    $ -     $ 128,614,033     $ -     $ 128,614,033  
                                 

Equity security at fair value

                                

Mutual fund

   $ 486,237     $ -     $ -     $ 486,237  
                                 

Nonrecurring:

                                

Other real estate owned, net

   $ -     $ -     $ 1,242,365     $ 1,242,365  

Impaired loans, net

   $ -     $ -     $ 373,500     $ 373,500  

 

24
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

8.         Fair Value (continued)

 

   

Carrying Value:

  
   

Level 1

    

Level 2

    

Level 3

    

Total

  

December 31, 2021

                                
                                 

Recurring:

                                

Available for sale securities

                                

State and municipal

   $ -     $ 763,498     $ -     $ 763,498  

SBA pools

     -       1,397,762       -       1,397,762  

Corporate Bonds

     -       8,584,207       650,000       9,234,207  

Mortgage-backed securities

     -       137,842,449       -       137,842,449  
    $ -     $ 148,587,916     $ 650,000     $ 149,237,916  
                                 

Equity security at fair value

                                

Mutual fund

   $ 543,605     $ -     $ -     $ 543,605  
                                 

Nonrecurring:

                                

Other real estate owned, net

   $ -     $ -     $ 1,242,365     $ 1,242,365  

Impaired loans, net

     -       -       373,500       373,500  

 

The following table displays quantitative information about level 3 inputs for September 30, 2022 and December 31, 2021:

 

September 30, 2022:

                    

Assets

  

Fair Value

  

Valuation Techniques

Unobservable Input

  

Average

  

Impaired loans

                    
                     

Commercial real estate

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %

Commercial

     -  

Discounted appraised value

Marketability/selling costs

     10 %

Total impaired loans

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %
                     

OREO

   $ 1,242,365  

Discounted appraised value

Marketability/selling costs

     10 %
                     

 

December 31, 2021:

                    

Assets

  

Fair Value

  

Valuation Techniques

Unobservable Input

  

Average

  

Impaired loans

                    
                     

Commercial real estate

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %

Commercial

     -  

Discounted appraised value

Marketability/selling costs

     10 %

Total impaired loans

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %
                     

OREO

   $ 1,242,365  

Discounted appraised value

Marketability/selling costs

     10 %

 

25
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

8.         Fair Value (continued)

 

The estimated fair value of financial instruments that are reported at amortized cost in the Company’s consolidated balance sheets, segregated by the level of the valuation inputs were as follows:

 

   

September 30, 2022

    

December 31, 2021

  
   

Carrying

    

Estimated

    

Carrying

    

Estimated

  
   

Amount

    

Fair Value

    

Amount

    

Fair Value

  

Financial assets

                                

Level 1 inputs

                                

Cash and cash equivalents

   $ 16,031,744     $ 16,031,744     $ 26,462,106     $ 26,462,106  

Level 2 inputs

                                

Certificates of deposit in other banks

     100,000       100,000       350,000       350,000  

Accrued interest receivable

     1,600,382       1,600,382       1,609,063       1,609,063  

Securities held to maturity

     17,507,634       15,396,811       21,851,975       22,805,601  

Mortgage loans held for sale

     370,000       375,136       126,500       128,829  

Restricted stock, at cost

     695,000       695,000       675,400       675,400  

Bank owned life insurance

     14,535,898       14,535,898       11,556,163       11,556,163  

Level 3 inputs

                                

Securities held to maturity

     3,029,620       3,029,620       3,073,040       3,073,040  

Loans, net

     505,395,375       471,500,501       482,011,334       487,012,970  
                                 

Financial liabilities

                                

Level 1 inputs

                                

Noninterest-bearing deposits

   $ 131,269,680     $ 131,269,680     $ 124,175,615     $ 124,175,615  

Securities sold under repurchase agreements

     5,422,642       5,422,642       5,414,026       5,414,026  

Level 2 inputs

                                

Interest-bearing deposits

     507,700,154       503,645,154       502,239,055       502,396,172  

Federal Home Loan Bank advances

     5,000,000       4,596,000       5,000,000       4,967,000  

Long-term debt

     15,566,458       15,436,251       16,978,905       17,298,111  

Accrued interest payable

     260,266       260,266       295,910       295,910  

 
 

9.          Earnings per Share

 

Basic earnings per share is determined by dividing net income available to stockholders by the weighted-average number of shares of common stock outstanding during the period and does not include the effect of any potentially dilutive common stock equivalents, giving retroactive effect to stock dividends declared during the period. Diluted earnings per share is determined in the same manner, except that the weighted-average number of shares of common stock outstanding is adjusted for the dilutive effect of outstanding common stock equivalents. The following table sets forth the calculation of basic and diluted earnings per share for the three- and nine-month periods ended September 30, 2022 and 2021. There were no common stock equivalents outstanding during the nine-month periods ended September 30, 2022 or 2021.

 

26
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

9.          Earnings per Share (continued)

 

   

Three Months Ended

    

Nine Months Ended

  
   

September 30,

    

September 30,

  
   

2022

    

2021

    

2022

    

2021

  
                                 

Net income

   $ 1,974,310     $ 2,122,547     $ 6,075,845     $ 6,184,341  

Weighted average shares outstanding

     3,053,487       3,023,487       3,043,006       3,015,602  

Earnings per share - basic and diluted

   $ 0.65     $ 0.70     $ 2.00     $ 2.05  

 

 
 

10.         Retirement Plans

 

The Company has a profit sharing plan qualifying under Section 401(k) of the Internal Revenue Code. All employees age 21 or older with six months of service are eligible for participation in the plan. The Company matches employee contributions up to 4% of total compensation and may make additional discretionary contributions. Employee and employer contributions are 100% vested when made. The Company’s contributions to this plan were $53,057 and $52,818 for the three-month periods ended September 30, 2022 and 2021, respectively, and $192,223 and $194,566 for the nine-month periods ended September 30, 2022 and 2021.

 

The Company has entered into agreements with 12 employees to provide certain life insurance benefits payable in connection with policies of life insurance on those employees that are owned by the Company. Each of the agreements provides for the amount of death insurance benefits to be paid to beneficiaries of the insured. For this plan, the Company expensed $1,702 and $1,661 for the three-month periods ended September 30, 2022 and 2021, respectively, and $5,107 and $4,982 for the nine-month periods ended September 30, 2022 and 2021.

 

The Company adopted supplemental executive retirement plans for four of its executives. The plans provide cash compensation to the executive officers under certain circumstances, including a separation of service. The benefits vest over the period from adoption to a specified age for each executive. The Company recorded expenses related to these plans, including interest, of $46,250 and $42,000 for the three-month periods ended September 30, 2022 and 2021, respectively, and $136,250 and $126,000 for the nine-month periods ended September 30, 2022 and 2021.

 

Retirement plan expenses are included in employee benefits on the consolidated statements of income.

 

27
 
  
 

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

 

Introduction

 

The following discussion and analysis is intended as a review of material changes in and significant factors affecting the financial condition and results of operations of Farmers and Merchants Bancshares, Inc. and its consolidated subsidiaries for the periods indicated. This discussion and analysis should be read in conjunction with the unaudited consolidated financial statements and the notes thereto contained in Item 1 of Part I of this report, and with Management’s Discussion and Analysis of Financial Condition and Results of Operations, the audited consolidated financial statements and notes thereto, and the other statistical information contained in the Annual Report of Farmers and Merchants Bancshares, Inc. on Form 10-K for the year ended December 31, 2021 (the “Form 10-K”). References in this report to “us”, “we”, “our”, and “the Company” are to Farmers and Merchants Bancshares, Inc. and, unless the context clearly suggests otherwise, its consolidated subsidiaries.

 

Forward-Looking Statements

 

This report may contain forward-looking statements within the meaning of The Private Securities Litigation Reform Act of 1995. Readers of this report should be aware of the speculative nature of “forward-looking statements.” Statements that are not historical in nature, including those that include the words “intend”, “believe”, “estimate”, “predict”, “potential”, or “continue” or the negative of those words and other comparable words, are based on current expectations, estimates and projections about, among other things, the industry and the markets in which we operate, and they are not guarantees of future performance. Whether actual results will conform to expectations and predictions is subject to known and unknown risks and uncertainties, including risks and uncertainties discussed in this report; general economic, market, or business conditions, including those impacted and/or driven by the geopolitical activity and COVID-19 pandemic; changes in interest rates, deposit flow, the cost of funds, and demand for loan products and financial services; changes in our competitive position or competitive actions by other companies; changes in the quality or composition of our loan and investment portfolios; our ability to manage growth; changes in laws or regulations or policies of federal and state regulators and agencies; and other circumstances beyond our control. Consequently, all of the forward-looking statements made in this report are qualified by these cautionary statements, and there can be no assurance that the actual results anticipated will be realized, or if substantially realized, will have the expected consequences on our business or operations. These and other risks are discussed in detail in the registration statements and periodic reports that Farmers and Merchants Bancshares, Inc. files with the Securities and Exchange Commission (the “SEC”) (see Item 1A of Part II of this report for further information). Except as required by applicable laws, we do not intend to publish updates or revisions of any forward-looking statements we make to reflect new information, future events or otherwise.

 

Farmers and Merchants Bancshares, Inc.

 

Farmers and Merchants Bancshares, Inc. is a Maryland corporation and a financial holding company registered with the Board of Governors of the Federal Reserve System (the “FRB”) under the Bank Holding Company Act of 1956, as amended. The Company was incorporated on August 8, 2016 for the purpose of becoming the holding company of Farmers and Merchants Bank (the “Bank”) in a share exchange transaction that was intended to constitute a tax-free exchange under Section 351 of the Internal Revenue Code of 1986, as amended (the “Reorganization”). The Reorganization was consummated on November 1, 2016, at which time the Bank became a wholly-owned subsidiary of the Company and all of the Bank’s stockholders became stockholders of the Company by virtue of the conversion of their shares of common stock of the Bank into an equal number of shares of common stock of the Company.

 

The Company’s primary business activities are serving as the parent company of the Bank and holding a series investment in First Community Bankers Insurance Co., LLC, a Tennessee “series” limited liability company and licensed protected cell captive insurance company (“FCBI”). The Company owns 100% of one series of membership interests issued by FCBI, which series is deemed a “protected cell” under Tennessee law and has been designated “Series Protected Cell FCB-4” (such series investment is hereinafter referred to as the “Insurance Subsidiary”).

 

28
 

 

The Bank is a Maryland commercial bank chartered on October 24, 1919 that is engaged in a general commercial and retail banking business. The Bank has had one inactive subsidiary, Reliable Community Financial Services, Inc., a Maryland corporation that was incorporated in April 1992 to facilitate the sale of fixed rate annuity products and later positioned to sell a full array of investment and insurance products.

 

The Insurance Subsidiary represents one protected cell of a protected cell captive insurance company (i.e., FCBI) that was formed on November 9, 2016 to better manage our risk programs, provide insurance efficiencies, and add operating income by both keeping insurance premiums paid with respect to such risks within our affiliated group of entities and realizing certain tax benefits that are unique to captive insurance companies. The Company’s investment in the Insurance Subsidiary represents one series of membership interests in FCBI. As a “series” limited liability company, FCBI is authorized by state law and its governing instruments to issue one or more series of membership interests, each of which, for all purposes under state law, is deemed to be a legal entity separate and apart from FCBI and its other series.

 

Effective October 1, 2020, pursuant to a series of merger transactions, Farmers and Merchants Bancshares, Inc. acquired Carroll Bancorp, Inc., and the Bank acquired Carroll Bancshares, Inc.’s wholly-owned bank subsidiary, Carroll Community Bank.

 

The Company maintains an Internet site at www.fmb1919.bank on which it makes available, free of charge, its Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and all amendments to the foregoing as soon as reasonably practicable after these reports are electronically filed with, or furnished to, the SEC.

 

Estimates and Critical Accounting Policies

 

This discussion and analysis of our financial condition and results of operations is based upon our consolidated financial statements, which have been prepared in accordance with accounting principles generally accepted in the United States of America. The preparation of these financial statements requires management to make estimates and judgments that affect the reported amounts of assets, liabilities, revenues and expenses, and related disclosure of contingent liabilities. See Note 1 of the Notes to the audited consolidated financial statements as of and for the year ended December 31, 2021, which were included in Item 8 of Part II of the Form 10-K. On an on-going basis, management evaluates estimates, including those related to loan losses and intangible assets, other-than-temporary impairment (“OTTI”) of investment securities, income taxes, and fair value of investments. Management bases its estimates on historical experience and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. Actual results may differ from these estimates under different assumptions or conditions. Management believes the following critical accounting policies affect our more significant judgments and estimates used in the preparation of the consolidated financial statements.

 

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 and 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 consideration of current economic trends and conditions, all of which may be susceptible to significant change. The loan portfolio also represents the largest asset type on the balance sheet.

 

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Management applies various valuation methodologies to assets and liabilities which often involve a significant degree of judgment, particularly when liquid markets do not exist for the particular items being valued. Quoted market prices are referred to when estimating fair values for certain assets, such as most investment securities. However, for those items for which an observable liquid market does not exist, management utilizes significant estimates and assumptions to value such items. Examples of these items include loans, deposits, borrowings, goodwill, core deposit and other intangible assets, other assets and liabilities obtained or assumed in business combinations. These valuations require the use of various assumptions, including, among others, discount rates, rates of return on assets, repayment rates, cash flows, default rates, and liquidation values. The use of different assumptions could produce significantly different results, which could have material positive or negative effects on our results of operations, financial condition or disclosures of fair value information. In addition to valuation, we must assess whether there are any declines in value below the carrying value of assets that should be considered other than temporary or otherwise require an adjustment in carrying value and recognition of a loss in the consolidated statements of income. Examples include investment securities, goodwill and core deposit intangible, among others.

 

Management does not believe that any material changes in our critical accounting policies have occurred since December 31, 2021.

 

Paycheck Protection Program

 

The U.S. Government’s Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) established the Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”), which provided small businesses with resources to maintain payroll, hire back employees who may have been laid off, and to cover applicable overhead expenses. During 2021 and 2020, we originated approximately $60 million in PPP. All PPP loans are 100% guaranteed by the SBA, have up to a five-year maturity, and have an interest rate of 1%. These loans may be forgiven by the SBA if the borrower meets certain conditions, including by using at least 75% of the loan proceeds for payroll costs. The majority of the PPP loans made by the Bank have been forgiven as of September 30, 2022. The SBA also established processing fees from 1% to 5%, depending on the loan amount. During 2021 and 2020, the Company collected approximately $2,323,000 in fees from the SBA in connection with the originations of the PPP loans. The fees, net of related origination costs, are being recognized as interest income over the term of the loans using the straight-line method, with accelerated recognition when the loan pays off before maturity through SBA forgiveness or other means. During the nine months ended September 30, 2022, approximately $250,000 in fees were recognized, compared to approximately $937,000 in the nine months ended September 30, 2021. Approximately $19,000 of fees were unrecognized at September 30, 2022.

 

 

Financial Condition

 

Total assets increased by $457,536, or 0.1%, to $717,134,791 at September 30, 2022 from $716,677,255 at December 31, 2021. The increase in total assets was due primarily to an increase of $23,384,041 in loans, an increase of $6,170,355 in deferred income taxes, and an increase in bank owned life insurance of $2,979,735, offset by decreases of $21,938,064 in debt securities and $10,430,362 in cash and cash equivalents.

 

Total liabilities increased $11,236,086, or 1.7%, to $671,291,883 at September 30, 2022 from $660,055,797 at December 31, 2021. The increase was due primarily to a $12,555,164 increase in deposits, offset by a $1,412,447 decrease in long-term debt.

 

Stockholders’ equity decreased by $10,778,550 to $45,842,908 at September 30, 2022 from $56,621,458 at December 31, 2021. The decrease was due to an increase of $16,253,032 in accumulated other comprehensive loss as a result of the decline in the market value of available for sale securities which resulted from the significant increase in interest rates and dividends paid, net of reinvestments, of $601,363, offset by net income for the nine-month period ended September 30, 2022 of $6,075,845.

 

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Loans

 

Major categories of loans at September 30, 2022 and December 31, 2021 were as follows:

 

   

September 30,

            

December 31,

          
   

2022

            

2021

          
                                 

Real estate:

                                

Commercial

   $ 342,620,080       67 %   $ 319,185,116       66 %

Construction/Land development

     24,416,365       5 %     28,221,854       6 %

Residential

     113,435,287       22 %     107,436,033       22 %

Commercial

     28,885,402       6 %     31,182,206       6 %

Consumer

     368,607       0 %     355,958       0 %
      509,725,741       100 %     486,381,167       100 %

Less: Allowance for loan losses

     3,747,178               3,650,268          

Deferred origination fees net of costs

     583,188               719,565          
    $ 505,395,375             $ 482,011,334          

 

Loans increased by $23,384,041, or 4.9%, to $505,395,375 at September 30, 2022 from $482,011,334 at December 31, 2021. The increase was due primarily to increases of $23,434,964 in commercial real estate loans and $5,999,254 in residential loans, offset by decreases of $2,296,804 in commercial loans and $3,805,489 in construction/land development loans. The decrease in commercial loans was driven primarily by a decrease of $8,988,663 in PPP loans. The allowance for loan losses increased by $96,910 to $3,747,178 at September 30, 2022 from $3,650,268 at December 31, 2021. Deferred origination fees, net of costs, decreased to $583,188 at September 30, 2022 from $719,565 at December 31, 2021, due primarily to the forgiveness of PPP loans.

 

The Company has adopted policies and procedures that seek to mitigate credit risk and to maintain the quality of the loan portfolio. These policies include underwriting standards for new credits as well as the continuous monitoring and reporting of asset quality and the adequacy of the allowance for loan losses. These policies, coupled with continuous training efforts, have provided effective checks and balances for the risk associated with the lending process. Lending authority is based on the level of risk, size of the loan, and the experience of the lending officer. The Company’s policy is to make the majority of its loan commitments in the market area it serves. Management believes that this tends to reduce risk because management is familiar with the credit histories of loan applicants and has in-depth knowledge of the risk to which a given credit is subject. Although the loan portfolio is diversified, its performance will be influenced by the economy of the region.

 

The provision for loan losses was $95,000 and $330,000 for the three-month periods ended September 30, 2022 and 2021, respectively. The provision for loan losses was $95,000 and $430,000 for the nine-month periods ended September 30, 2022 and 2021, respectively.

 

During the three-month periods ended September 30, 2022 and 2021, the Company had recoveries from loans written off in prior periods totaling $4,050 and $9,990, respectively, and no charge-offs. During the nine-month periods ended September 30, 2022 and 2021, the Company had recoveries from loans written off in prior periods totaling $12,150 and $36,650, respectively, and charge-offs of $10,240 and $18,970, respectively.

 

Watch list loans include loans classified as Special Mention, Substandard, and Doubtful. As of September 30, 2022, the Company had $4,435,585 of loans on a watch list, other than impaired loans, for which the borrowers have the potential for experiencing financial difficulties. As of December 31, 2021, the Company had $13,140,695 of such loans. The decrease was due primarily to the repayment in full of six loans totaling approximately $6.6 million and the upgrading of one loan totaling $2.0 million. Watch List loans are subject to ongoing management attention and their classifications are reviewed regularly.

 

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Management believes that the $3.7 million reserve at September 30, 2022 and the $95,000 provision for the nine-month period ended September 30, 2022 are appropriate to adequately cover the probable and estimable losses inherent in the loan portfolio. The reserve is materially unchanged from December 31, 2021. Excluding PPP loans, the Company’s loan portfolio grew by $31.7 million during the first nine months of 2022. An increasing portfolio could typically require a commensurate increase in the provision. In addition, several qualitative factors were increased to reflect the potential impact of rising interest rates. However, as noted above, the amount of watch list loans in the portfolio declined by $8.9 million. These loans receive a much higher reserve than the rest of the portfolio, so their decline offset the increasing portfolio and impact of the higher qualitative factors. Furthermore, there was no additional deterioration to the loans that were negatively impacted by COVID -19, so there was minimal change in their reserve.

 

Investment Securities

 

Investments in debt securities decreased by $21,938,604, or 12.8%, to $149,151,287 at September 30, 2022 from $171,089,891 at December 31, 2021. At September 30, 2022 and December 31, 2021, the Company had classified 86% of the investment portfolio as available for sale. The balance of the portfolio was classified as held to maturity.

 

Securities classified as available for sale are held for an indefinite period of time and may be sold in response to changing market and interest rate conditions as part of the Company’s asset/liability management strategy. Available for sale debt securities are carried at fair value, with unrealized gains and losses excluded from earnings and reported as a separate component of stockholders’ equity, net of income taxes. Securities classified as held to maturity, which the Company has both the positive intent and ability to hold to maturity, are reported at amortized cost. The Company records unrealized gains and losses on equity securities in earnings. The Company does not currently follow a strategy of making security purchases with a view to near-term sales, and, therefore, does not own trading securities. The Company manages the investment portfolio within policies that seek to achieve desired levels of liquidity, manage interest rate sensitivity, meet earnings objectives, and provide required collateral for deposit and borrowing activities.

 

Other Real Estate Owned

 

Other real estate owned (“OREO”) at September 30, 2022 and December 31, 2021 included two properties with an aggregate carrying value of $1,242,365. The first property is an apartment building in Baltimore, Maryland with a carrying value of $1,242,365 that was acquired in the Merger. The property is under a sales contract with a projected closing in the fourth quarter. The other property is land in Cecil County, Maryland with a carrying value of $0. It was acquired through foreclosure in 2007. The latter property consists of 10.43 acres and is currently under contract for a gross sales price of $295,000 with closing expected in 2022. Due to the length of time the property has been held, Maryland banking law required a write-down of the value to $0 in 2019.

 

Deposits

 

Total deposits increased by $12,555,164, or 2.0%, to $638,969,834 at September 30, 2022 from $626,414,670 at December 31, 2021. The increase in deposits was due to a $7,094,065 increase in noninterest-bearing accounts, a $15,448,625 increase in savings and money market accounts, and an $8,494,330 increase in interest bearing checking accounts and offset by a $18,481,856 decrease in time deposits.

 

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The following table shows the average balances and average costs of deposits for the nine months ended September 30, 2022 and 2021:

 

 

   

September 30, 2022

    

September 30, 2021

  
   

Average

    

Average

  
   

Balance

    

Cost

    

Balance

    

Cost

  
                                 

Noninterest bearing demand deposits

   $ 128,933,942       0.00 %   $ 119,284,008       0.00 %

Interest bearing demand deposits

     132,951,644       0.15 %     115,751,651       0.19 %

Savings and money market deposits

     197,244,419       0.12 %     180,734,271       0.16 %

Time deposits

     171,266,359       0.50 %     189,068,595       0.94 %
    $ 630,396,364       0.21 %   $ 604,838,525       0.38 %

 

 

Liquidity Management

 

Liquidity describes our ability to meet financial obligations that arise out of the ordinary course of business. Liquidity is primarily needed to meet depositor withdrawal requirements, to fund loans, and to fund our other debts and obligations as they come due in the normal course of business. We maintain our asset liquidity position internally through short-term investments, the maturity distribution of the investment portfolio, loan repayments, and income from earning assets. On the liability side of the balance sheet, liquidity is affected by the timing of maturing liabilities and the ability to generate new deposits or borrowings as needed. The Bank is approved to borrow 75% of eligible pledged single-family residential loans and 50% of eligible pledged commercial loans as well as investment securities, or approximately $55.2 million under a secured line of credit with the Federal Home Loan Bank (“FHLB”). The Bank also has a facility with the Federal Reserve Bank of Richmond (the “Reserve Bank”) under which the Bank can borrow approximately $28.9 million. Finally, the Bank has $23,500,000 ($14,500,000 unsecured and $9,000,000 secured) of overnight federal funds lines of credit available from commercial banks. FHLB advances of $5,000,000 were outstanding as of September 30, 2022 and December 31, 2021. The Company borrowed $17,000,000 to facilitate the acquisition of Carroll Bancorp, Inc. (“Carroll”) in 2020 as more fully described below. There were no borrowings from the Reserve Bank or our commercial bank lenders at September 30, 2022 and December 31, 2021. Management believes that we have adequate liquidity sources to meet all anticipated liquidity needs over the next 12 months. Management knows of no trend or event which is likely to have a material impact on our ability to maintain liquidity at satisfactory levels.

 

 

Borrowings and Other Contractual Obligations

 

The Company’s contractual obligations consist primarily of borrowings and operating leases for various facilities.

 

On September 30, 2020, the Company borrowed $17,000,000 from First Horizon Bank (“FHN”) for the purpose of funding a portion of the merger consideration that was paid to the stockholders of Carroll when it was merged with and into the Company on October 1, 2020. Net of issuance costs, the amount of the net long-term debt was $15,566,458 and $16,978,905 as of September 30, 2022 and December 31, 2021, respectively. The loan matures on September 30, 2025. The interest rate on the loan is fixed at 4.10%. Quarterly interest-only payments were made through October 1, 2021. During the remaining term of the loan, the Company is required to make quarterly interest and principal payments of approximately $646,472, which will be based on a nine-year straight-line amortization schedule. The remaining balance of approximately $9,916,667 will be due at maturity. To secure its obligations under this loan, the Company pledged all of its shares of common stock of the Bank to FHN.

 

Securities sold under agreements to repurchase represent overnight borrowings from customers. Securities owned by the Company which are used as collateral for these borrowings are primarily U.S. government agency securities.

 

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Specific information about the Company’s borrowings and contractual obligations is set forth in the following table:

 

   

September 30,

    

December 31,

  
   

2022

    

2021

  

Amount oustanding at period-end:

                

Securities sold under repurchase agreements

   $ 5,422,642     $ 5,414,026  

Federal Home Loan Bank advances

     5,000,000       5,000,000  

Long-term debt (net of issuance costs)

     15,566,458       16,978,905  

Weighted average rate paid at period-end:

                

Securites sold under repurchase agreements

     0.30 %     0.61 %

Federal Home Loan Bank advances

     1.00 %     1.00 %

Long-term debt

     4.10 %     4.10 %

 

The Federal Home Loan Bank advances and the long-term debt outstanding at September 30, 2022 will require the following principal payments:

 

Year ending December 31, 2022

     472,222  

Year ending December 31, 2023

     1,888,889  

Year ending December 31, 2024

     1,888,889  

Year ending December 31, 2025

     16,333,333  

 

 

 

Off-Balance Sheet Arrangements

 

In the normal course of business, the Bank makes commitments to extend credit and issues standby letters of credit. Outstanding loan commitments, unused lines of credit, and letters of credit as of September 30, 2022 and December 31, 2021 are as follows:

 

   

September 30,

    

December 31,

  
   

2022

    

2021

  
                 

Loan commitments

                

Construction and land development

   $ 2,611,014     $ 6,810,353  

Commercial

     4,780,000       630,000  

Commercial real estate

     19,228,000       23,552,400  

Residential

     6,011,750       3,804,617  
    $ 32,630,764     $ 34,797,370  
                 

Unused lines of credit

                

Home-equity lines

   $ 12,323,385     $ 12,707,519  

Commercial lines

     29,617,368       28,828,911  
    $ 41,940,753     $ 41,536,430  
                 

Letters of credit

   $ 1,388,610     $ 1,470,742  

 

Loan commitments and lines of credit are agreements to lend to a customer as long as there is no violation of any condition to the contract. Loan commitments generally have interest rates at current market amounts, fixed expiration dates, and may require payment of a fee. Lines of credit generally have variable interest rates. Such lines do not represent future cash requirements because it is unlikely that all customers will draw upon their lines in full at any time. Letters of credit are commitments issued to guarantee the performance of a customer to a third party.

 

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The maximum exposure to credit loss in the event of nonperformance by the customer is the contractual amount of the commitment. Loan commitments, lines of credit and letters of credit are made on the same terms, including collateral, as outstanding loans. Management is not aware of any accounting loss that is likely to be incurred as a result of funding its credit commitments.

 

 

RESULTS OF OPERATIONS

 

 

Comparison of Operating Results for the Nine Months Ended September 30, 2022 and 2021

 

General

 

Net income for the nine months ended September 30, 2022 was $6,075,845, compared to $6,184,341 for the same period of 2021. The decrease of $108,496, or 1.8%, was due to a $362,546 decrease in noninterest income, a $783,490 increase in noninterest expenses, and a $17,521 increase in income taxes, offset by a $720,061 increase in net interest income and a $335,000 decrease in the loan loss provision.

 

Net Interest Income

 

Net interest income was $17,828,026 for the nine months ended September 30, 2022, compared to $17,107,965 for the same period of 2021.

 

Total interest income for the nine months ended September 30, 2022 was $19,350,937, compared to $19,305,971 for the same period of 2021, an increase of $44,966, or 0.2%.

 

Total interest income on loans for the nine months ended September 30, 2022 decreased by $1,167,401 when compared to the same period of 2021 due to a $29.8 million lower average loan balance for the nine months ended September 30, 2022 when compared to the same period of 2021 and a lower loan yield of 4.51% for the nine months ended September 30, 2022 versus 4.55% for the same period of 2021. The decline in yield is attributable to a decrease of approximately $687,000 in fees recognized on PPP loans during the nine months ended September 30, 2022 when compared to the same period in 2021. Excluding fees recognized on PPP loans, the loan yield was 4.45% for the nine months ended September 30, 2022 versus 4.31% for the same period in 2021. The increase is due to higher yields on adjustable rate loans as well as new originations. Investment income for the nine months ended September 30, 2022 increased by $1,170,447, or 81.8%, when compared to the same period of 2021 due to an $69.4 million higher average investment balance and an increase in fully-taxable equivalent yield to 2.07% for the nine months ended September 30, 2022, compared to 1.97% for the same period of 2021. The fully-taxable equivalent yield on total interest-earning assets decreased 13 basis points to 3.81% for the nine months ended September 30, 2022, compared to 3.94% for the same period of 2021. The average balance of total interest-earning assets increased by $24.9 million to $682.6 million for the nine months ended September 30, 2022, compared to $657.7 million for the same period of 2021.

 

Total interest expense for the nine months ended September 30, 2022 was $1,522,911, compared to $2,198,006 for the same period of 2021, a decrease of $675,095, or 30.7%. The decrease was due to a lower overall cost of funds on interest bearing deposits and borrowings of 0.39% for the nine months ended September 30, 2022, compared to 0.56% for the same period of 2021, offset by a $7.6 million increase in the average balance of interest-bearing liabilities to $526.4 million for the nine months ended September 30, 2022, compared to $518.8 million in the same period of 2021. Cost of funds for time deposits decreased to 0.50% for the nine months ended September 30, 2022 from 0.94% for the same period of 2021. Securities sold under repurchase agreements cost of funds decreased to 0.30% for the nine months ended September 30, 2022 from 0.45% for the same period of 2021.

 

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Average noninterest-earning assets decreased by $9.5 million to $30.5 million for the nine months ended September 30, 2022, compared to $40.0 million in the same period of 2021. Average noninterest-bearing deposits increased by $9.6 million to $128.9 million during the nine months ended September 30, 2022, compared to $119.3 million in the same period of 2021. The average balance in stockholders’ equity decreased by $2,198,237 for the nine months ended September 30, 2022 when compared with the same period of 2021.

 

The following table sets forth information regarding the average balances of interest-earning assets and interest-bearing liabilities, the amount of interest income and interest expense and the resulting yields on average interest-earning assets and rates paid on average interest-bearing liabilities for the nine-month periods ended September 30, 2022 and 2021. Average balances are also provided for noninterest-earning assets and noninterest-bearing liabilities.

 

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Nine Months Ended

    

Nine Months Ended

  
   

September 30, 2022

    

September 30, 2021

  
   

Average

                    

Average

                  
   

Balance

    

Interest

    

Yield

    

Balance

    

Interest

    

Yield

  

Assets:

                                                

Loans

   $ 492,180,338     $ 16,660,625       4.51 %   $ 521,978,666     $ 17,828,026       4.55 %

Securities, taxable

     156,586,314       2,173,853       1.85 %     85,644,831       971,070       1.51 %

Securities, tax exempt

     18,890,763       556,009       3.92 %     20,393,689       595,078       3.89 %

Federal funds sold and other interest-earning assets

     14,934,097       95,357       0.85 %     29,701,715       50,341       0.23 %

Total interest-earning assets

     682,591,512       19,485,844       3.81 %     657,718,901       19,444,515       3.94 %

Noninterest-earning assets

     30,461,709                       39,965,396                  

Total assets

   $ 713,053,221                     $ 697,684,297                  
                                                 

Liabilities and Stockholders’ Equity:

                                                

NOW, savings, and money market

   $ 330,196,063       332,810       0.13 %   $ 296,485,922       259,248       0.12 %

Certificates of deposit

     171,266,359       638,510       0.50 %     189,068,595       1,330,086       0.94 %

Securities sold under repurchase agreements

     3,813,719       8,558       0.30 %     11,269,845       38,130       0.45 %

Long-term debt

     16,162,515       505,268       4.17 %     16,975,390       532,777          

FHLB advances and other borrowings

     5,000,000       37,765       1.01 %     5,000,000       37,765       1.01 %

Total interest-bearing liabilities

     526,438,656       1,522,911       0.39 %     518,799,752       2,198,006       0.56 %
                                                 

Noninterest-bearing deposits

     128,933,242                       119,284,008                  

Noninterest-bearing liabilities

     5,525,793                       5,246,770                  

Total liabilities

     660,897,691                       643,330,530                  

Stockholders' equity

     52,155,530                       54,353,767                  

Total liabilities and stockholders' equity

   $ 713,053,221                     $ 697,684,297                  
                                                 

Net interest income

           $ 17,962,933                     $ 17,246,509          
                                                 

Interest rate spread

                     3.42 %                     3.38 %
                                                 

Net yield on interest-earning assets

                     3.51 %                     3.50 %
                                                 

Ratio of average interest-earning assets to average interest-bearing liabilities

                     129.66 %                     126.78 %

  

Interest on tax-exempt securities and other tax-exempt investments are reported on fully taxable equivalent basis based upon tax rates of 21% for Federal and 8.25% for State.                                                

 

37
 

 

Noninterest Income

 

Noninterest income for the nine months ended September 30, 2022 was $1,274,933, compared to $1,637,479 for the same period of 2021, a decrease of $362,546, or 22.1%. The decrease was due primarily to a $508,575 decrease in mortgage banking income as a result of residential refinance activity declining due to rising interest rates, offset by a $151,206 increase in the gain on the sale of SBA loans.

 

 

Noninterest Expense

 

Noninterest expense for the nine months ended September 30, 2022 totaled $11,152,875, compared to $10,369,385 for the same period of 2021, an increase of $783,490, or 7.6%. The increase was due primarily to increases in salaries and benefits of $357,718, and in other expenses of $428,200. Salaries and benefits increased due to normal and usual annual salary increases that are effective January 1 as well as an increase in the overall headcount. The other expense increase was due primarily to a $292,140 increase in professional fees as a result of recruitment fees paid to fill several positions.

 

Income Tax Expense

 

Income tax expense for the nine months ended September 30, 2022 was $1,779,239 compared to $1,761,718 for the same period of 2021. The effective tax rate was 22.7% for the nine months ended September 30, 2022, compared to 22.2% for the same period of 2021.

 

 

Comparison of Operating Results for the Three Months Ended September 30, 2022 and 2021

 

General

 

Net income for the three months ended September 30, 2022 was $1,974,310, compared to $2,122,547 for the same period of 2021. The decrease of $148,237, or 7.0%, was due to a $194,493 decrease in noninterest income and a $319,563 increase in noninterest expenses, offset by a $99,763 increase in net interest income, a $235,000 decrease in the loan loss provision, and a $31,056 decrease in income taxes.

 

Net Interest Income

 

Net interest income was $6,091,752 for the three months ended September 30, 2022, compared to $5,991,989 for the same period of 2021.

 

Total interest income for the three months ended September 30, 2022 was $6,586,065, compared to $6,654,268 for the same period of 2021, a decrease of $68,203, or 1.0%.

 

Total interest income on loans for the three months ended September 30, 2022 decreased by $452,796 when compared to the same period of 2021 due to a $12.8 million lower average loan balance for the three months ended September 30, 2022 when compared to the same period of 2021, and a lower loan yield of 4.48% for the three months ended September 30, 2022 versus 4.73% for the same period of 2021. The decline in yield is attributable to a decrease of approximately $481,000 in fees recognized on PPP loans during the three months ended September 30, 2022 when compared to the same period in 2021. Excluding fees recognized on PPP loans, the loan yield was 4.31% for the three months ended September 30, 2022 versus 4.18% for the same period in 2021. The increase is due to higher yields on adjustable rate loans as well as new originations. Investment income for the three months ended September 30, 2022 increased by $347,530, or 60.3%, when compared to the same period of 2021 due to a $48.4 million higher average investment balance and an increase in fully-taxable equivalent yield to 2.19% for the three months ended September 30, 2022, compared to 1.94% for the same period of 2021. The fully-taxable equivalent yield on total interest-earning assets decreased 9 basis points to 3.89% for the three months ended September 30, 2022, compared to 3.98% for the same period of 2021. The average balance of total interest-earning assets increased by $10.2 million to $682.5 million for the three months ended September 30, 2022, compared to $672.3 million for the same period of 2021.

 

38
 

 

Total interest expense for the three months ended September 30, 2022 was $494,313, compared to $662,279 for the same period of 2021, a decrease of $167,966, or 25.4%. The decrease was due to a lower overall cost of funds on interest bearing deposits and borrowings of 0.37% for the three months ended September 30, 2022, compared to 0.50% for the same period of 2021, offset by a $3.9 million increase in the average balance of interest-bearing liabilities to $528.6 million for the three months ended September 30, 2022, compared to $524.7 million in the same period of 2021. Cost of funds for time deposits decreased to 0.47% for the three months ended September 30, 2022 from 0.75% for the same period of 2021. Securities sold under repurchase agreements cost of funds decreased to 0.30% for the three months ended September 30, 2022 from 0.36% for the same period of 2021.

 

Average noninterest-earning assets decreased by $5.9 million to $32.4 million for the three months ended September 30, 2022, compared to $38.2 million in the same period of 2021. Average noninterest-bearing deposits increased by $6.7 million to $130.9 million during the three months ended September 30, 2022, compared to $124.1 million in the same period of 2021. The average balance in stockholders’ equity decreased by $6.2 million for the three months ended September 30, 2022 when compared with the same period of 2021 due to the change in the market value of the available-for-sale securities portfolio.

 

39
 

 

The following table sets forth information regarding the average balances of interest-earning assets and interest-bearing liabilities, the amount of interest income and interest expense and the resulting yields on average interest-earning assets and rates paid on average interest-bearing liabilities for the three-month periods ended September 30, 2022 and 2021. Average balances are also provided for noninterest-earning assets and noninterest-bearing liabilities.

 

   

Three Months Ended

    

Three Months Ended

  
   

Septembere 30, 2022

    

September 30, 2021

  
   

Average

                    

Average

                  
   

Balance

    

Interest

    

Yield

    

Balance

    

Interest

    

Yield

  

Assets:

                                                

Loans

   $ 500,169,548     $ 5,606,913       4.48 %   $ 512,953,631     $ 6,059,709       4.73 %

Securities, taxable

     157,672,542       784,738       1.99 %     107,912,735       428,037       1.59 %

Securities, tax exempt

     18,438,547       181,264       3.93 %     19,811,359       189,950       3.84 %

Federal funds sold and other interest-earning assets

     6,246,364       59,008       3.78 %     31,630,398       19,369       0.24 %

Total interest-earning assets

     682,527,001       6,631,923       3.89 %     672,308,123       6,697,065       3.98 %

Noninterest-earning assets

     32,366,316                       38,217,888                  

Total assets

   $ 714,893,317                     $ 710,526,011                  
                                                 

Liabilities and Stockholders’ Equity:

                                                

NOW, savings, and money market

   $ 337,682,240       119,062       0.14 %   $ 307,799,463       115,652       0.15 %

Certificates of deposit

     166,446,902       194,494       0.47 %     184,058,190       344,725       0.75 %

Securities sold under repurchase agreements

     3,800,797       2,874       0.30 %     10,847,773       9,647       0.36 %

Long-term debt

     15,683,811       165,156       4.21 %     16,976,796       179,528       4.23 %

FHLB advances and other borrowings

     5,000,000       12,727       1.02 %     5,000,120       12,727       1.02 %

Total interest-bearing liabilities

     528,613,750       494,313       0.37 %     524,682,342       662,279       0.50 %
                                                 

Noninterest-bearing deposits

     130,880,729                       124,149,640                  

Noninterest-bearing liabilities

     5,564,389                       5,667,596                  

Total liabilities

     665,058,868                       654,499,578                  

Stockholders' equity

     49,834,449                       56,026,433                  

Total liabilities and stockholders' equity

   $ 714,893,317                     $ 710,526,011                  
                                                 

Net interest income

           $ 6,137,610                     $ 6,034,786          
                                                 

Interest rate spread

                     3.51 %                     3.48 %
                                                 

Net yield on interest-earning assets

                     3.60 %                     3.59 %
                                                 

Ratio of average interest-earning assets to average interest-bearing liabilities

                     129.12 %                     128.14 %

 

Interest on tax-exempt securities and other tax-exempt investments are reported on fully taxable equivalent basis based upon tax rates of 21% for Federal and 8.25% for State.

 

 

Noninterest Income

 

Noninterest income for the three months ended September 30, 2022 was $337,485, compared to $531,978 for the same period of 2021, a decrease of $194,493, or 36.6%. The decrease was primarily a result of a $199,316 decrease in mortgage banking income as a result of residential refinance activity declining due to rising interest rates.

 

40
 

 

Noninterest Expense

 

Noninterest expense for the three months ended September 30, 2022 totaled $3,784,691 compared to $3,465,128 for the same period of 2021, an increase of $319,563, or 9.2%. The increase was due primarily to an increase in salaries and benefits of $121,754 and an increase in other expenses of $205,208. Salaries and benefits increased due to normal and usual annual salary increases that are effective January 1 as well as an increase in the overall headcount.

 

Income Tax Expense

 

Income tax expense for the three months ended September 30, 2022 was $575,236, compared to $606,292 for the same period of 2021. The effective tax rate was 22.6% for the three months ended September 30, 2022, compared to 22.2% for the same period of 2021.

 

Item 3. Quantitative and Qualitative Disclosures about Market Risk

 

Farmers and Merchants Bancshares, Inc. is a “smaller reporting company” as defined in Rule 12b-2 promulgated under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and, accordingly, is not required to include the information required by this item.

 

Item 4. Controls and Procedures

 

We maintain disclosure controls and procedures that are designed to ensure that information required to be disclosed in our reports filed under the Exchange Act with the SEC, such as this Quarterly Report, is recorded, processed, summarized and reported within the periods specified in those rules and forms, and that such information is accumulated and communicated to our management, including Farmers and Merchants Bancshares, Inc.’s principal executive officer (“PEO”) and the principal financial officer (“PFO”), as appropriate, to allow for timely decisions regarding required disclosure. A control system, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control system are met. Further, the design of a control system must reflect the fact that there are resource constraints, and the benefits of controls must be considered relative to their costs. These inherent limitations include the realities that judgments in decision-making can be faulty, and that breakdowns can occur because of simple error or mistake. Additionally, controls can be circumvented by the individual acts of some persons, by collusion of two or more people, or by management override of the control. The design of any system of controls is also based in part upon certain assumptions about the likelihood of future events, and there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions. Over time, controls may become inadequate because of changes in conditions, or the degree of compliance with the policies or procedures may deteriorate.

 

An evaluation of the effectiveness of these disclosure controls as of September 30, 2022 was carried out under the supervision and with the participation of management, including the PEO and the PFO. Based on that evaluation, management, including the PEO and the PFO, has concluded that our disclosure controls and procedures are, in fact, effective at the reasonable assurance level.

 

During the quarter ended September 30, 2022, there was no change in our internal control over financial reporting that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.

 

41
 

 

Part II – OTHER INFORMATION

 

Item 1.         Legal Proceedings

 

None.

 

 

Item 1A.       Risk Factors

 

The risks and uncertainties to which our financial condition and operations are subject are discussed in detail in Item 1A of Part I of the Form 10-K. Except as set forth below, management does not believe that any material changes in our risk factors have occurred since they were last disclosed.

 

Certain of our U.S. consolidated federal income tax returns are currently being audited.

 

In April 2018, we were notified by the Internal Revenue Service the “IRS”) that our 2016 U.S. consolidated federal tax return was selected for audit. In April 2020, we were notified by the IRS that our 2017 and 2018 U.S. consolidated federal tax returns had also been selected for audit. As part of its audits, the IRS reviewed the deductions related to, and the income generated by, the Insurance Subsidiary. Following the completion of its audits, the IRS determined that it disagreed with our tax treatment of the Insurance Subsidiary, and we are in the process of appealing such determination. Management cannot predict whether our appeal and defense of our tax positions will be successful. If our appeal is not successful, then we believe that we could be required to pay taxes, interest, and penalties totaling approximately $3.0 million as of December 31, 2021 for the tax years under audit and our taxable earnings and/or the effective tax rate on our future earnings could increase substantially, any of which could have a material adverse effect on our business, financial condition and results of operations. See Note 13 to the consolidated financial statements presented in Form 10-K for further information about this risk.

 

In August 2022, we were notified by the IRS that our 2019 and 2020 U.S. consolidated federal tax returns were selected for audit. We believe that the primary focus of the audits will be the income and deductions related to the Insurance Subsidiary, but it is possible that the IRS will expand the scope of its audits to cover any other aspect of our operations.  At this time, we do not know whether or how such audits could affect our financial condition or results of operations.

 

 

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

 

None.

 

Item 3.         Defaults upon Senior Securities

 

None.

 

Item 4.         Mine Safety Disclosures

 

Not Applicable.

 

Item 5.         Other Information

 

None.

 

Item 6.         Exhibits

 

The exhibits filed or furnished with this quarterly report are listed in the following Exhibit Index:

 

42
 

 

Exhibit Description
   
3.2 First Amendment to Amended and Restated Bylaws (incorporated by reference to Exhibit 3.2 of the Company’s Current Report on Form 8-K filed on July 20, 2022)
   
10.1 Change in Control Severance Agreement, dated as of July 18, 2022, between the Company and Gary Harris (incorporated by reference to Exhibit 10.1 of the Company’s Current Report on Form 8-K filed on July 20, 2022)
   
31.1 Certifications of the Principal Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act (filed herewith)
   
31.2 Certifications of the Principal Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act (filed herewith)
   
32 Certification of the Principal Executive Officer and the Principal Financial Office pursuant to Section 906 of the Sarbanes-Oxley Act (furnished herewith)
   
101 Inline Interactive Data Files pursuant to Rule 405 of Regulation S-T (filed herewith)
   
104 The cover page of Farmers and Merchants Bancshares, Inc.’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2022 formatted in Inline XBRL, included within the Exhibit 101 attachments (filed herewith).

 

43
 

 

SIGNATURES

 

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

 

FARMERS AND MERCHANTS BANCSHARES, INC.

 

 

Date: November 14, 2022 /s/ James R. Bosley, Jr.  
    James R. Bosley, Jr.  
    Chief Executive Officer  
    (Principal Executive Officer)  
       
       
Date November 14, 2022 /s/ Mark C. Krebs  
    Mark C. Krebs  
    Treasurer and Chief Financial Officer  
    (Principal Financial Officer & Principal Accounting Officer)  

 

44
EX-31.1 2 ex_443788.htm EXHIBIT 31.1 ex_443788.htm

 

Exhibit 31.1

 

Certifications of the Principal Executive Officer

Pursuant to Securities Exchange Act Rules 13a-14 and 15d-14

As adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, James R. Bosley, Jr., certify that:

 

1.    I have reviewed this quarterly report on Form 10-Q of Farmers and Merchants Bancshares, Inc.;

 

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

 

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

 

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

 

 

a.

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

 

 

b.

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

 

 

c.

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

 

 

d.

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

 

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

 

 

a.

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

 

 

b.

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

 

Date: November 14, 2022 /s/ James R. Bosley, Jr.  
    James R. Bosley, Jr.  
    Chief Executive Officer  
    (Principal Executive Officer)  

 

 
 EX-31.2 3 ex_443789.htm EXHIBIT 31.2 ex_443789.htm

Exhibit 31.2

 

Certifications of the Principal Financial Officer

Pursuant to Securities Exchange Act Rules 13a-14 and 15d-14

As adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, Mark C. Krebs, certify that:

 

1.    I have reviewed this quarterly report on Form 10-Q of Farmers and Merchants Bancshares, Inc.;

 

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

 

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

 

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

 

 

a.

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

 

 

b.

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

 

 

c.

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

 

 

d.

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

 

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

 

 

a.

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

 

 

b.

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

 

Date November 14, 2022 /s/ Mark C. Krebs  
    Mark C. Krebs  
    Treasurer and Chief Financial Officer  
    (Principal Financial Officer)  

 

 

 

 

 

 

 

 
 EX-32 4 ex_443790.htm EXHIBIT 32 ex_443790.htm

Exhibit 32

 

Certification of Periodic Report

Pursuant to 18 U.S.C. § Section 1350

As adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

 

Pursuant to, and for purposes only of, 18 U.S.C. § 1350, each of the undersigned hereby certifies that (i) the Quarterly Report of Farmers and Merchants Bancshares, Inc. on Form 10-Q for the quarter ended September 30, 2022 filed with the Securities and Exchange Commission (the “Report”) fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, and (ii) information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of Farmers and Merchants Bancshares, Inc.

 

 

Date: November 14, 2022 /s/ James R. Bosley, Jr.  
    James R. Bosley, Jr.  
    Chief Executive Officer  
    (Principal Executive Officer)  
       
       
Date: November 14, 2022 /s/ Mark C. Krebs  
    Mark C. Krebs  
    Treasurer and Chief Financial Officer  
    (Principal Financial Officer)  

 

 
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Other Real Estate Owned [Member] Represents the fair value of other real estate owned. Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] Pledging Purpose [Domain] fmfg_EquitySecurityDividendsReinvested Equity security dividends reinvested Amount of equity security dividends reinvested. Pledging Purpose [Axis] Asset Class [Axis] Asset Class [Domain] Statement [Table] Statement of Financial Position [Abstract] Weighted average shares outstanding (in shares) Earnings per share - basic and diluted (in dollars per share) Statement of Cash Flows [Abstract] Statement of Stockholders' Equity [Abstract] Securities sold under repurchase agreements Income Statement [Abstract] Other comprehensive income (loss) Financing Receivable, Nonaccrual [Table Text Block] Mortgage banking income us-gaap_Deposits Total deposits Investments Classified by Contractual Maturity Date [Table Text Block] Interest-bearing Schedule of Unrealized Loss on Investments [Table Text Block] Noninterest-bearing Schedule of Intangible Assets and Goodwill [Table Text Block] Interest-bearing deposits Noninterest-bearing deposits us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax Reclassification adjustment for realized gains and losses included in net income Fair Value Measurements, Nonrecurring [Table Text Block] Net unrealized loss arising during the period Deposits: Cash flows from financing activities fmfg_NumberOfEmployeesCoveredByLifeInsurancePolicy Number of Employees Covered by Life Insurance Policy Number of employees provided with certain life insurance benefits. fmfg_NumberOfEmployeesParticipatingInPlan Number of Employees Participating in Plan Number of employees participating in the plan. us-gaap_PaymentsToAcquireLifeInsurancePolicies Purchase of bank owned life insurance Percent, expected sales cost to appraised rate Expected Sales Costs to Appraised Value, Percentage Expected sales costs as a percentage of the appraised value. Pledged Status [Domain] Pledged Status [Axis] Amortization of right of use asset us-gaap_StockholdersEquity Stockholders' Equity Attributable to Parent, Ending Balance Balance Balance Class of Stock [Axis] Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax Unrealized losses, available for sale us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax Unrealized gains, available for sale Financial Service, Other [Member] Proceeds from sale of SBA loans Amortized cost, available for sale us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis Available for Sale, Amortized cost Available for Sale Amortized cost, Over one to five years Available for Sale Amortized cost, Fair value, Over one to five years fmfg_IncreaseDecreaseInBankOwnedLifeInsuranceCashSurrenderValue Bank owned life insurance cash surrender value The amount of increase (decrease) in bank owned life insurance cash surrender value during the period. Available for Sale Amortized cost, Over ten years EX-101.PRE 9 fmfg-20220930_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 10 R1.htm IDEA: XBRL DOCUMENT v3.22.2.2
Document And Entity Information - shares
 9 Months Ended
Sep. 30, 2022
Nov. 10, 2022
Document Information [Line Items]    
Entity Central Index Key 0001698022  
Entity Registrant Name Farmers & Merchants Bancshares, Inc.  
Amendment Flag false  
Current Fiscal Year End Date --12-31  
Document Fiscal Period Focus Q3  
Document Fiscal Year Focus 2022  
Document Type 10-Q  
Document Quarterly Report true  
Document Period End Date Sep. 30, 2022  
Document Transition Report false  
Entity File Number 000-55756  
Entity Incorporation, State or Country Code MD  
Entity Tax Identification Number 81-3605835  
Entity Address, Address Line One 4510 Lower Beckleysville Road, Suite H  
Entity Address, City or Town Hampstead  
Entity Address, State or Province MD  
Entity Address, Postal Zip Code 21074  
City Area Code 410  
Local Phone Number 374-1510  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Non-accelerated Filer  
Entity Small Business true  
Entity Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding   3,053,487
XML 11 R2.htm IDEA: XBRL DOCUMENT v3.22.2.2
Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Cash and due from banks $ 14,495,448 $ 25,258,932
Federal funds sold and other interest-bearing deposits 1,536,296 1,203,174
Cash and cash equivalents 16,031,744 26,462,106
Certificates of deposit in other banks 100,000 350,000
Securities available for sale, at fair value 128,614,033 149,237,916
Securities held to maturity, at cost 20,537,254 21,851,975
Equity security, at fair value 486,237 543,605
Restricted stock, at cost 695,000 675,400
Mortgage loans held for sale 370,000 126,500
Loans, less allowance for loan losses of $3,747,178 and $3,650,268 505,395,375 482,011,334
Premises and equipment, net 6,316,605 6,259,421
Accrued interest receivable 1,600,382 1,609,063
Deferred income taxes, net 8,347,805 2,177,450
Other real estate owned, net 1,242,365 1,242,365
Bank owned life insurance 14,535,898 11,556,163
Goodwill and other intangibles, net 7,044,834 7,051,080
Other assets 5,817,259 5,522,877
Assets, Total 717,134,791 716,677,255
Deposits:    
Noninterest-bearing 131,269,680 124,175,615
Interest-bearing 507,700,154 502,239,055
Total deposits 638,969,834 626,414,670
Securities sold under repurchase agreements 5,422,642 5,414,026
Federal Home Loan Bank of Atlanta advances 5,000,000 5,000,000
Long-term debt, net of issuance costs 15,566,458 16,978,905
Accrued interest payable 260,266 295,910
Other liabilities 6,072,683 5,952,286
Liabilities, Total 671,291,883 660,055,797
Stockholders' equity:    
Common stock, par value $.01 per share, authorized 5,000,000 shares; issued and outstanding 3,053,487 in 2022 and 3,037,137 shares in 2021 30,535 30,372
Additional paid-in capital 29,197,340 28,857,422
Retained earnings 34,263,001 29,128,600
Accumulated other comprehensive loss (17,647,968) (1,394,936)
Stockholders' Equity Attributable to Parent, Ending Balance 45,842,908 56,621,458
Liabilities and Equity, Total $ 717,134,791 $ 716,677,255
XML 12 R3.htm IDEA: XBRL DOCUMENT v3.22.2.2
Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Allowance for loan losses $ 3,747,178 $ 3,650,268
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, share authorized (in shares) 5,000,000 5,000,000
Common stock, share issued (in shares) 3,053,487 3,037,137
Common stock, share outstanding (in shares) 3,053,487 3,037,137
XML 13 R4.htm IDEA: XBRL DOCUMENT v3.22.2.2
Consolidated Statements of Income (Unaudited) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Interest income:        
Loans, including fees $ 5,606,913 $ 6,059,709 $ 16,660,625 $ 17,828,026
Investment securities - taxable 783,606 426,886 2,170,154 967,841
Investment securities - tax exempt 140,185 149,375 430,495 462,361
Federal funds sold and other interest earning assets 55,361 18,298 89,663 47,743
Total interest income 6,586,065 6,654,268 19,350,937 19,305,971
Interest expense:        
Deposits 313,556 460,377 971,320 1,589,334
Securities sold under repurchase agreements 2,874 9,647 8,558 38,130
Federal Home Loan Bank advances and long-term debt 177,883 192,255 543,033 570,542
Total interest expense 494,313 662,279 1,522,911 2,198,006
Net interest income 6,091,752 5,991,989 17,828,026 17,107,965
Provision for loan losses 95,000 330,000 95,000 430,000
Net interest income after provision for loan losses 5,996,752 5,661,989 17,733,026 16,677,965
Noninterest income:        
Mortgage banking income 8,155 207,471 195,829 704,404
Bank owned life insurance income 70,479 49,116 179,735 174,602
Fair value adjustment on equity security (17,611) (2,056) (62,524) (10,214)
Gain on sale of SBA loans 0 6,917 158,123 6,917
Gain on premium call of debt security 0 621 0 9,190
Total noninterest income 337,485 531,978 1,274,933 1,637,479
Noninterest expense:        
Salaries 1,987,991 1,895,780 5,656,643 5,366,854
Employee benefits 418,422 388,879 1,367,829 1,299,900
Occupancy 229,273 241,557 670,938 737,087
Furniture and equipment 203,075 198,190 642,283 578,562
Other 945,930 740,722 2,815,182 2,386,982
Total noninterest expense 3,784,691 3,465,128 11,152,875 10,369,385
Income before income taxes 2,549,546 2,728,839 7,855,084 7,946,059
Income taxes 575,236 606,292 1,779,239 1,761,718
Net income $ 1,974,310 $ 2,122,547 $ 6,075,845 $ 6,184,341
Earnings per share - basic and diluted (in dollars per share) $ 0.65 $ 0.70 $ 2.00 $ 2.05
Deposit Account [Member]        
Noninterest income:        
Noninterest revenue $ 201,251 $ 187,141 $ 574,444 $ 522,815
Financial Service, Other [Member]        
Noninterest income:        
Noninterest revenue $ 75,211 $ 82,768 $ 229,326 $ 229,765
XML 14 R5.htm IDEA: XBRL DOCUMENT v3.22.2.2
Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Net income $ 1,974,310 $ 2,122,547 $ 6,075,845 $ 6,184,341
Other comprehensive loss, net of income taxes:        
Net unrealized loss arising during the period (5,960,588) (321,489) (22,423,388) (1,428,240)
Reclassification adjustment for realized gains and losses included in net income 0 621 0 9,190
Income tax benefit (1,640,205) (88,295) (6,170,356) (390,487)
Total other comprehensive loss (4,320,383) (232,573) (16,253,032) (1,028,563)
Total comprehensive (loss) income $ (2,346,073) $ 1,889,974 $ (10,177,187) $ 5,155,778
XML 15 R6.htm IDEA: XBRL DOCUMENT v3.22.2.2
Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($)
Common Stock [Member]
Additional Paid-in Capital [Member]
Retained Earnings [Member]
AOCI Attributable to Parent [Member]
Total
Balance (in shares) at Dec. 31, 2020 3,011,255        
Balance at Dec. 31, 2020 $ 30,113 $ 28,294,139 $ 22,698,954 $ 706,277 $ 51,729,483
Net income 0 0 6,184,341 0 6,184,341
Other comprehensive income (loss) 0 0 0 (1,028,563) (1,028,563)
Cash dividends $ 0 0 (843,177) 0 (843,177)
Dividends reinvested (in shares) 12,232        
Dividends reinvested $ 122 263,110 0 0 263,232
Balance (in shares) at Sep. 30, 2021 3,023,487        
Balance at Sep. 30, 2021 $ 30,235 28,557,249 28,040,118 (322,286) 56,305,316
Balance (in shares) at Jun. 30, 2021 3,023,487        
Balance at Jun. 30, 2021 $ 30,235 28,557,249 25,917,571 (89,713) 54,415,342
Net income 0 0 2,122,547 0 2,122,547
Other comprehensive income (loss) $ 0 0 0 (232,573) (232,573)
Balance (in shares) at Sep. 30, 2021 3,023,487        
Balance at Sep. 30, 2021 $ 30,235 28,557,249 28,040,118 (322,286) 56,305,316
Balance (in shares) at Dec. 31, 2021 3,037,137        
Balance at Dec. 31, 2021 $ 30,372 28,857,422 29,128,600 (1,394,936) 56,621,458
Net income 0 0 6,075,845 0 6,075,845
Other comprehensive income (loss) 0 0 0 (16,253,032) (16,253,032)
Cash dividends $ 0 0 (941,444) 0 (941,444)
Dividends reinvested (in shares) 16,350        
Dividends reinvested $ 163 339,918 0 0 340,081
Balance (in shares) at Sep. 30, 2022 3,053,487        
Balance at Sep. 30, 2022 $ 30,535 29,197,340 34,263,001 (17,647,968) 45,842,908
Balance (in shares) at Jun. 30, 2022 3,053,487        
Balance at Jun. 30, 2022 $ 30,535 29,197,475 32,288,555 (13,327,585) 48,188,980
Net income 0 0 1,974,310 0 1,974,310
Other comprehensive income (loss) $ 0 0 0 (4,320,383) (4,320,383)
Dividends reinvested (in shares) 0        
Dividends reinvested $ 0 (135) 136 0 1
Balance (in shares) at Sep. 30, 2022 3,053,487        
Balance at Sep. 30, 2022 $ 30,535 $ 29,197,340 $ 34,263,001 $ (17,647,968) $ 45,842,908
XML 16 R7.htm IDEA: XBRL DOCUMENT v3.22.2.2
Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares
 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Cash dividends, per share (in dollars per share) $ 0.31 $ 0.28
XML 17 R8.htm IDEA: XBRL DOCUMENT v3.22.2.2
Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Reconciliation of net income to net cash provided by operating activities    
Net income $ 6,075,845 $ 6,184,341
Adjustments to reconcile net income to net cash provided by operating activities    
Depreciation and amortization 354,814 356,439
Provision for loan losses 95,000 430,000
Amortization of right of use asset 4,412 14,023
Equity security dividends reinvested (5,156) (4,997)
Fair value adjustment on equity security 62,524 10,214
Gain on sale of SBA loans (158,123) (6,917)
Gain on sale of premises and equipment 0 (44,510)
Gain on premium call of debt security 0 (9,190)
Amortization of debt issuance costs 4,218 4,219
Amortization of premiums and accretion of discounts, net (237,876) (38,029)
Bank owned life insurance cash surrender value (179,735) (232,983)
Increase (decrease) in    
Deferred loan fees and costs, net (136,377) 105
Accrued interest payable (35,644) (86,202)
Other liabilities 228,072 777,175
Decrease (increase) in    
Mortgage loans held for sale (243,500) (84,200)
Accrued interest receivable 8,681 478,044
Other assets (433,594) 493,856
Net cash provided by operating activities 5,403,561 8,241,388
Cash flows from investing activities    
Proceeds from maturity and call of securities, Available for sale 15,121,772 24,273,762
Proceeds from maturity and call of securities, Held to maturity 1,398,420 2,121,989
Available for sale (17,278,216) (92,992,748)
Purchase of securities, Held to maturity 0 (842,061)
Maturity of certificates of deposit 250,000 500,000
Loans made to customers, net of principal collected (24,044,676) 25,701,580
Proceeds from sale of SBA loans 1,250,154 61,595
Redemption (purchase) of stock in FHLB of Atlanta (19,600) 225,100
Purchase of bank owned life insurance (2,800,000) (28,855)
Purchase of annuity 0 (3,671,145)
Proceeds from sale of premises and equipment 0 1,387,613
Purchases of premises, equipment and software (384,873) (227,010)
Net cash used in investing activities (26,507,019) (43,490,180)
Cash flows from financing activities    
Noninterest-bearing deposits 7,094,065 22,686,309
Interest-bearing deposits 5,588,443 26,047,473
Securities sold under repurchase agreements 8,616 (14,278,851)
Long-term debt principal payments (1,416,665) 0
Dividends paid, net of reinvestments (601,363) (579,945)
Net cash provided by financing activities 10,673,096 33,874,986
Net decrease in cash and cash equivalents (10,430,362) (1,373,806)
Cash and cash equivalents at beginning of period 26,462,106 40,975,670
Cash and cash equivalents at end of period 16,031,744 39,601,864
Supplementary disclosure of cash flow information:    
Cash paid during the period for interest 1,675,435 2,476,513
Cash paid during the period for income taxes 2,531,122 1,065,000
Net unrealized loss on securities available for sale $ (22,423,388) $ (1,428,240)
XML 18 R9.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 1 - Principles of Consolidation
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]

1.          Principles of consolidation

 

The consolidated financial statements include the accounts of Farmers and Merchants Bancshares, Inc. and its wholly owned subsidiaries, Farmers and Merchants Bank (the “Bank”), and Series Protected Cell FCB-4 (the “Insurance Subsidiary”), and one subsidiary of the Bank, Reliable Community Financial Services, Inc. (collectively the “Company”, “we”, “us”, or “our”). The Insurance Subsidiary constitutes an investment by Farmers and Merchants Bancshares, Inc. in 100% of a series of membership interests issued by First Community Bankers Insurance Co., LLC, a Tennessee “series” limited liability company and licensed property and casualty insurance company. Intercompany balances and transactions, including the insurance premium paid by the Bank to the Insurance Subsidiary through an intermediary, have been eliminated.
XML 19 R10.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 2 - Basis of Presentation
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Business Description and Basis of Presentation [Text Block]

2.          Basis of Presentation

 

The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and in accordance with the instructions to Form 10-Q and Rule 8-03 of Regulation S-X. Accordingly, they do not include all of the disclosures required by accounting principles generally accepted in the United States of America (“GAAP”) for complete financial statements. In the opinion of management, all adjustments necessary for a fair presentation of the results of operations for the interim periods have been made. Such adjustments were normal and recurring in nature. The results of operations for the three- and nine- month periods ended September 30, 2022 do not necessarily reflect the results that may be expected for the fiscal year ending December 31, 2022 or any future interim period. The consolidated financial statements should be read in conjunction with the audited consolidated financial statements and related notes for the year ended December 31, 2021, which are included in Farmers and Merchants Bancshares, Inc.’s Annual Report on Form 10-K for the year ended December 31, 2021 that was filed with the Securities and Exchange Commission (the “SEC”).

 

Recent Accounting Pronouncements

 

In June 2016, FASB issued Accounting Standards Update (“ASU”) 2016‑13, “Financial Instruments – Credit Losses”. The ASU sets forth a “current expected credit loss” (CECL) model that requires the Company to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions, and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. ASU 2019-10 “Financial Instruments – Credit Losses (Topic 326), Derivatives and hedging (Topic 815), and Leases (Topic 842): Effective Dates” extended the implementation date to January 1, 2023 for SEC-registered smaller reporting companies and private companies. The Company is a smaller reporting company. The Company has engaged a third-party vendor to assist in the implementation of this ASU. The CECL model is being run parallel with the current calculation of the allowance for loan losses during 2022. The detailed loan data was successfully uploaded to the new model for both March 31, June 30, 2022, and September 30, 2022. Loan categories have been finalized and qualitative factors are being fine-tuned. Model validation is in process. Several members of the Company’s senior management and credit administration teams are participating in the implementation.

 

 

2. Basis of Presentation (continued)

 

 

In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 843)”: Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU Provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effect of) reference rate reform, on financial reporting. The risk of termination of the London Interbank Offered Rate (LIBOR), has caused regulators to undertake reference rate reform initiatives to identify alternative reference rates that are more observable or transaction based that are less susceptible to manipulation. ASU 2020-04 is effective between March 12, 2020 and December 31, 2022. The Company has identified its products that utilize LIBOR and has begun efforts to transition to the Secured Overnight Financing Rate in 2023. Borrowers have been notified of the pending change.

 

In March 2022, the FASB issued ASU No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures.” ASU 2022-02 addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU 2016-13) that introduced the CECL model. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The amendments in this ASU should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. For entities that have adopted ASU 2016-13, ASU 2022-02 is effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. For entities that have not yet adopted ASU 2016-13, the effective dates for ASU 2022-02 are the same as the effective dates in ASU 2016-13. Early adoption is permitted if an entity has adopted ASU 2016-13. An entity may elect to early adopt the amendments about TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company is currently assessing the impact that ASU 2022-02 will have on its consolidated financial statements.

 

The accounting policies adopted by management are consistent with authoritative GAAP and are consistent with those followed by our peers.

 
XML 20 R11.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 3 - Investment Securities
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]

3.          Investment Securities

 

Investments in debt securities are summarized as follows:

 

   

Amortized

    

Unrealized

    

Unrealized

    

Fair

  

September 30, 2022

  

cost

    

gains

    

losses

    

value

  
                                 

Available for sale

                                
                                 

State and municipal

   $ 570,310     $ -     $ 22,581     $ 547,729  

SBA pools

     1,119,622       1,796       15,363       1,106,055  

Corporate bonds

     10,429,690       -       1,001,138       9,428,552  

Mortgage-backed securities

     140,842,314       152       23,310,769       117,531,697  
    $ 152,961,936     $ 1,948     $ 24,349,851     $ 128,614,033  
                                 

Held to maturity

                                
                                 

State and municipal

   $ 20,537,254     $ 1,375     $ 2,112,198     $ 18,426,431  

 

   

Amortized

    

Unrealized

    

Unrealized

    

Fair

  

December 31, 2021

  

cost

    

gains

    

losses

    

value

  
                                 

Available for sale

                                
                                 

State and municipal

   $ 753,061     $ 10,437     $ -     $ 763,498  

SBA pools

     1,418,770       1,656       22,664       1,397,762  

Corporate bonds

     9,225,153       64,595       55,541       9,234,207  

Mortgage-backed securities

     139,765,445       336,084       2,259,080       137,842,449  
    $ 151,162,429     $ 412,772     $ 2,337,285     $ 149,237,916  
                                 

Held to maturity

                                
                                 

State and municipal

   $ 21,851,975     $ 1,020,877     $ 67,251     $ 22,805,601  

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

3.          Investment Securities (continued)

 

Contractual maturities, shown below, will differ from actual maturities because borrowers and issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

   

Available for Sale

    

Held to Maturity

  
   

Amortized

    

Fair

    

Amortized

    

Fair

  

September 30, 2022

  

cost

    

value

    

cost

    

value

  
                                 

Within one year

   $ 70,310     $ 69,699     $ 330,000     $ 330,172  

Over one to five years

     3,602,980       3,415,812       473,510       464,965  

Over five to ten years

     7,326,710       6,490,770       2,246,345       2,088,287  

Over ten years

     -       -       17,487,399       15,543,007  
      11,000,000       9,976,281       20,537,254       18,426,431  

Mortgage-backed securities and

                                

SBA pools, due in monthlyinstallments

     141,961,936       118,637,752       -       -  
    $ 152,961,936     $ 128,614,033     $ 20,537,254     $ 18,426,431  

 

 

Securities with a carrying value of $14,245,224 and $14,307,989 as of September 30, 2022 and December 31, 2021, respectively, were pledged as collateral for government deposits and securities sold under repurchase agreements.

 

During the nine months ended September 30, 2022, there were no sales of securities. During the nine months ended September 30, 2021, the Company received proceeds of $1,263,845 from the call at a premium of available for sale investment securities. The Company realized a $9,190 gain on the call of the securities.

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

3.          Investment Securities (continued)

 

The following table sets forth the Company’s gross unrealized losses on a continuous basis for investments in debt securities, by category and length of time, at September 30, 2022 and December 31, 2021.

 

September 30, 2022

  

Less than 12 months

    

12 months or more

    

Total

  

Description of investments

  

Fair Value

    

Unrealized

Loss

    

Fair Value

    

Unrealized

Loss

    

Fair Value

    

Unrealized

Loss

  
                                                 

State and municipal

   $ 13,564,241     $ 1,565,843     $ 1,556,463     $ 568,936     $ 15,120,704     $ 2,134,779  

SBA pools

     -       -       923,700       15,363       923,700       15,363  

Corporate bonds

     8,039,155       875,570       989,397       125,568       9,028,552       1,001,138  

Mortgage-backed securities

     64,335,274       10,303,353       53,002,811       13,007,416       117,338,085       23,310,769  

Total

   $ 85,938,670     $ 12,744,766     $ 56,472,371     $ 13,717,283     $ 142,411,041     $ 26,462,049  

 

December 31, 2021

  

Less than 12 months

    

12 months or more

    

Total

  

Description of investments

  

Fair value

    

Unrealized

loss

    

Fair value

    

Unrealized

loss

    

Fair value

    

Unrealized

loss

  
                                                 

State and municipal

   $ 1,324,648     $ 35,720     $ 715,650     $ 31,531     $ 2,040,298     $ 67,251  

SBA pools

     -       -       1,133,398       22,664       1,133,398       22,664  

Corporate bonds

     5,443,886       55,541       -       -       5,443,886       55,541  

Mortgage-backed securities

     117,840,965       2,034,858       4,781,586       224,222       122,622,551       2,259,080  

Total

   $ 124,609,499     $ 2,126,119     $ 6,630,634     $ 278,417     $ 131,240,133     $ 2,404,536  

 

 

Held to maturity securities are securities that the Company has both the ability and the intent to hold until they mature, at which time the Company should receive full value for the securities. As of September 30, 2022 and December 31, 2021, management did not have the intent to sell any of the held to maturity or available for sale securities with unrealized losses before a recovery of cost. The unrealized losses detailed in the table above were due to increases in market interest rates over the yields available at the time the underlying securities were purchased as well as other market conditions for each particular security based upon the structure and remaining principal balance. The fair values of the debt securities are expected to recover as the securities approach their maturity dates or repricing dates or if market yields for such investments decline. Based on the foregoing factors, as of September 30, 2022 and December 31, 2021, management believes that these unrealized losses are temporary and, accordingly, they have not been recognized in the Company’s consolidated statements of income. At September 30, 2022, 179 available for sale securities and 38 held to maturity securities had unrealized losses.

 

At September 30, 2022, none of the available for sale securities or held to maturity securities were other-than-temporarily impaired. In determining whether other-than-temporary impairment exists, management considers many factors, including (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer, and (iii) whether the Bank intends to sell the security, whether it is more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis, and whether the Bank expects to recover the security’s entire amortized cost basis. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.

 
XML 21 R12.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

4.         Loans

Major categories of loans are as follows:

 

   

September 30,

    

December 31,

  
   

2022

    

2021

  

Real estate:

                

Commercial

   $ 342,620,080     $ 319,185,116  

Construction and land development

     24,416,365       28,221,854  

Residential

     113,435,287       107,436,033  

Commercial

     28,885,402       31,182,206  

Consumer

     368,607       355,958  
      509,725,741       486,381,167  

Less: Allowance for loan losses

     3,747,178       3,650,268  

Deferred origination fees net of costs

     583,188       719,565  
    $ 505,395,375     $ 482,011,334  

 

Commercial loans in the table above include $0.7 million and $9.7 million of Paycheck Protection Program (“PPP”) loans as of September 30, 2022 and December 31, 2021, respectively, which are 100% guaranteed by the Small Business Administration (“SBA”). $60 million were originated during 2021 and 2020 and we collected approximately $2,323,000 in fees from the SBA. The fees, net of related origination costs, are being recognized as interest income over the term of the loans using the straight-line method, with accelerated recognition when the loan pays off before maturity through SBA forgiveness or other means. Income from PPP loans, net of taxes, added approximately $181,000 for the nine months ended September 30, 2022 compared to $679,000 for the same period in 2021.

 

Nonaccrual loans, segregated by class of loans, were as follows:

 

   

September 30,

    

December 31,

  
   

2022

    

2021

  

Commercial real estate

   $ 502,961     $ 4,810,965  

Residential real estate

     31,500       31,500  

Commercial

     152,449       152,449  
    $ 686,910     $ 4,994,914  

 

At September 30, 2022, the Company had one nonaccrual commercial real estate loan totaling $502,961, one nonaccrual residential real estate loan totaling $31,500, and one nonaccrual commercial loan totaling $152,449. The loans were secured by real estate, business assets, and personal guarantees. Gross interest income of $38,155 would have been recorded for the nine months ended September 30, 2022 had these nonaccrual loans been current and performing in accordance with their original terms. The Company allocated $281,910 of its allowance for loan losses to these nonaccrual loans. The recorded investment of the nonaccrual loans was net of charge-offs and a nonaccretable discount totaling $8,176 at September 30, 2022. The decrease in commercial real estate nonaccrual loans from December 31, 2021 to September 30, 2022 was due to a loan with a principal balance of approximately $4.3 million at December 31, 2021 resuming full principal and interest payments in July 2022.

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (continued)

 

At December 31, 2021, the Company had two nonaccrual commercial real estate loan totaling $4,810,965 and one nonaccrual residential real estate loan totaling $31,500, and one commercial loan totaling $152,449. The real estate loans were secured by real estate and business assets and were personally guaranteed. The commercial loan was secured by business assets and was personally guaranteed. Gross interest income of $219,734 would have been recorded in 2021 if these nonaccrual loans had been current and performing in accordance with their original terms. The Company allocated $281,910 of its allowance for loan losses to these nonaccrual loans. The balance of nonaccrual loans was net of charge-offs and a nonaccretable discount totaling $27,146 at December 31, 2021.

 

An age analysis of past due loans, segregated by type of loan, is as follows:

 

                 

90 Days

                            

Past Due 90

  
 

30 - 59 Days

    

60 - 89 Days

    

or More

    

Total

            

Total

    

Days or More

  
 

Past Due

    

Past Due

    

Past Due

    

Past Due

    

Current

    

Loans

    

and Accruing

  

September 30, 2022

                                                      

Real estate:

                                                      

Commercial

 $ -     $ 166,386     $ 502,961     $ 669,347     $ 341,950,733     $ 342,620,080     $ -  

Construction and land development

   -       -       -       -       24,416,365       24,416,365       -  

Residential

   -       -       31,500       31,500       113,403,787       113,435,287       -  

Commercial

   -       -       152,449       152,449       28,732,953       28,885,402       -  

Consumer

   -       -       -       -       368,607       368,607       -  

Total

 $ -     $ 166,386     $ 686,910     $ 853,296     $ 508,872,445     $ 509,725,741     $ -  
                                                       

December 31, 2021

                                                      

Real estate:

                                                      

Commercial

 $ -     $ -     $ 502,961     $ 502,961     $ 318,682,155     $ 319,185,116     $ -  

Construction and land development

   -       -       -       -       28,221,854       28,221,854       -  

Residential

   -       -       249,161       249,161       107,186,872       107,436,033       217,661  

Commercial

   -       -       415,690       415,690       30,766,516       31,182,206       263,241  

Consumer

   -       -       -       -       355,958       355,958       -  

Total

 $ -     $ -     $ 1,167,812     $ 1,167,812     $ 485,213,355     $ 486,381,167     $ 480,902  

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (continued)

 

Impaired loans, segregated by class of loans with average recorded investment and interest recognized for the nine months ended September 30, 2022 and the year ended December 31, 2021, are set forth in the following table:

 

   

Unpaid

    

Recorded

    

Recorded

                                  
   

Contractual

    

Investment

    

Investment

    

Total

            

Average

          
   

Principal

    

With No

    

With

    

Recorded

    

Related

    

Recorded

    

Interest

  
   

Balance

    

Allowance

    

Allowance

    

Investment

    

Allowance

    

Investment

    

Recognized

  

September 30, 2022

                                                        

Commercial real estate

   $ 7,210,361     $ 6,707,400     $ 502,961     $ 7,210,361     $ 129,461     $ 7,015,647     $ 141,479  

Residential real estate

     34,954       34,954       -       34,954       -       37,091       1,104  

Commercial

     152,449       -       152,449       152,449       152,449       152,449       -  
      7,397,764       6,742,354       655,410       7,397,764       281,910       7,205,187       142,583  
                                                         

September 30, 2021

                                                        

Commercial real estate

   $ 6,875,087     $ 6,367,416     $ 408,198     $ 6,775,614     $ 99,473     $ 3,387,807     $ 77,603  

Residential real estate

     40,626       40,626       -       40,626       -       39,927       -  

Commercial

     154,469       -       -       -       154,469       76,225       1,271  
    $ 7,070,182     $ 6,408,042     $ 408,198     $ 6,816,240     $ 253,942     $ 3,503,959     $ 78,874  

December 31, 2021

                                                        

Commercial real estate

   $ 6,820,932     $ 6,317,971     $ 502,961     $ 6,820,932     $ 129,461     $ 6,740,539     $ 125,079  

Residential real estate

     39,228       39,228       -       39,228       -       41,981       1,672  

Commercial

     152,449       -       152,449       152,449       152,449       76,225       69,005  
    $ 7,012,609     $ 6,357,199     $ 655,410     $ 7,012,609     $ 281,910     $ 6,858,745     $ 195,756  

 

Impaired loans include TDRs which are loans that have been modified to provide economic concessions to borrowers who have experienced financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months.

 

At September 30, 2022, the Company had two commercial real estate loans totaling $6,540,014 and one residential real estate loan totaling $34,954 that were classified as TDRs. One of the commercial real estate loans with a principal balance of $4,567,456 was restructured as TDRs during the 9 months ended September 30, 2022. All are included in impaired loans above. At September 30, 2022, all three loans were paying as agreed. There have been no charge-offs or allowances associated with these loans.

 

At December 31, 2021, the Company had one commercial real estate loan totaling $2,009,967 and one residential real estate loan totaling $39,288 classified as TDRs. Both loans are included in impaired loans above and were paying as agreed. There have been no charge-offs or allowances associated with these loans.

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (continued)

 

As part of our portfolio risk management, the Company assigns a risk grade to each loan. The factors used to determine the grade are the payment history of the loan and the borrower, the value of the collateral and net worth of the guarantor, and cash flow projections of the borrower. Excellent, Above Average, Average and Acceptable grades are assigned to loans with limited or no delinquent payments and more than sufficient collateral and/or cash flow.

 

A description of the general characteristics of loans characterized as watch list or classified is as follows:

 

Pass/Watch

Loans graded as Pass/Watch are secured by generally acceptable assets which reflect above-average risk. The loans warrant closer scrutiny by management than is routine, due to circumstances affecting the borrower, the borrower’s industry, or the overall economic environment. Borrowers may reflect weaknesses such as inconsistent or weak earnings, break even or moderately deficit cash flow, thin liquidity, minimal capacity to increase leverage, or volatile market fundamentals or other industry risks. Such loans are typically secured by acceptable collateral, at or near appropriate margins, with realizable liquidation values.

 

Special Mention

A special mention loan is a loan that management believes has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Special mention loans are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

 

Borrowers may exhibit poor liquidity and leverage positions resulting from generally negative cash flow or negative trends in earnings. Access to alternative financing may be limited to finance companies for business borrowers and may be unavailable for commercial real estate borrowers.

 

Substandard

A substandard loan is a loan that management believes is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Such loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

 

Borrowers may exhibit recent or unexpected unprofitable operations, an inadequate debt service coverage ratio, or marginal liquidity and capitalization. Substandard loans require more intense supervision by Company management.

 

Doubtful

A doubtful loan is a loan that management believes has all of the weaknesses inherent in a substandard loan with the added characteristic that the weaknesses, based on currently existing facts, conditions, and values, make collection or liquidation in full highly questionable and improbable.

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (continued)

 

Loans by credit grade, segregated by loan type, are as follows:

 

       

Above

              

Pass

  

Special

                    

September 30, 2022

Excellent

  

average

  

Average

  

Acceptable

  

watch

  

mention

  

Substandard

  

Doubtful

  

Total

  
                                                       

Real estate:

                                                      

Commercial

 $ -   $ 18,082   $ 69,687,996   $ 186,657,806   $ 76,663,355   $ 166,386   $ 9,426,455   $ -   $ 342,620,080  

Construction and land development

   -     -     3,664,371     13,405,947     7,346,047     -     -     -     24,416,365  

Residential

   11,139     592,377     41,671,626     61,873,489     6,958,191     -     2,328,465     -     113,435,287  

Commercial

   772,026     -     8,742,069     15,547,728     3,671,130     -     152,449     -     28,885,402  

Consumer

   2,007     18,292     108,459     214,861     7,996     -     -     16,992     368,607  
  $ 785,172   $ 628,751   $ 123,874,521   $ 277,699,831   $ 94,646,719   $ 166,386   $ 11,907,369   $ 16,992   $ 509,725,741  

 

       

Above

              

Pass

  

Special

                    

December 31, 2021

Excellent

  

average

  

Average

  

Acceptable

  

watch

  

mention

  

Substandard

  

Doubtful

  

Total

  
                                                       

Real estate:

                                                      

Commercial

 $ -   $ 1,225,732   $ 73,924,748   $ 146,174,439   $ 82,018,890   $ 3,345,788   $ 12,495,519   $ -   $ 319,185,116  

Construction and land development

   -     -     3,853,775     12,452,257     9,973,457     1,942,365     -     -     28,221,854  

Residential

   41,152     708,162     46,358,477     48,295,430     9,570,815     -     2,461,997     -     107,436,033  

Commercial

   9,774,570     -     5,292,721     12,585,396     3,377,070     -     152,449     -     31,182,206  

Consumer

   5,813     168,037     147,903     2,280     11,298     -     -     20,627     355,958  
  $ 9,821,535   $ 2,101,931   $ 129,577,624   $ 219,509,802   $ 104,951,530   $ 5,288,153   $ 15,109,965   $ 20,627   $ 486,381,167  

 

The principal balances of loans in the Pass/Watch category as of September 30, 2022 and December 31, 2021 include loans that were granted payment deferrals due to COVID-19. The loans were downgraded to the Pass/Watch category if they were in a higher rated category at the time the deferral was granted. Loans that completed their deferral and are making scheduled payments again are being re-evaluated on a loan-by-loan basis to determine if they warrant upgrading.

 

The Company’s allowance for loan losses is based on management’s evaluation of the risks inherent in the Company’s loan portfolio and the general economy. The allowance for loan losses is maintained at the amount management considers adequate to cover estimated losses in loans receivable that are deemed probable based on information currently known to management. The allowance is based upon a number of factors, including current economic conditions, actual loss experience by pools of similar loans, diversification and size of the portfolio, adequacy of the collateral, the amount of non-performing loans and industry trends. In addition, various regulatory agencies, as an integral part of their examination processes, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to make additional provisions for estimated loan losses based upon judgments different from those of management.

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (Continued)

 

The following table details activity in the allowance for loan losses and loan balances by portfolio as of and for the nine-month periods ended September 30, 2022 and 2021 and for the year ended December 31, 2021. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

 

                                         

Allowance for loan losses ending

    

Outstanding loan balances

  
         

Provision for

                            

balance evaluated for impairment:

    

evaluated for impairment:

  
 

Beginning

    

(recovery of)

    

Charge

            

Ending

    

Purchase Credit

    

Purchase Credit

  

September 30, 2022

balance

    

loan losses

    

offs

    

Recoveries

    

balance

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                       

Real estate:

                                                                                      

Commercial

 $ 2,482,930     $ 126,385     $ (7,772 )   $ -     $ 2,601,543     $ 129,461     $ -     $ 2,472,082     $ 7,210,361     $ -     $ 335,409,719  

Construction and land development

   214,547       (69,938 )     -       12,150       156,759       -       -       156,759       -       -       24,416,365  

Residential

   603,558       67,729       -       -       671,287       -       -       671,287       34,954       375,844       113,024,489  

Commercial

   255,413       35,949       (2,468 )     -       288,894       152,449       -       136,445       152,449       242,382       28,490,571  

Consumer

   4,370       (383 )     -       -       3,987       -       -       3,987       -       -       368,607  

Unallocated

   89,450       (64,742 )     -       -       24,708       -       -       24,708       -       -       -  
  $ 3,650,268     $ 95,000     $ (10,240 )   $ 12,150     $ 3,747,178     $ 281,910     $ -     $ 3,465,268     $ 7,397,764     $ 618,226     $ 501,709,751  

 

                                         

Allowance for loan losses ending

    

Outstanding loan balances

  
         

Provision for

                            

balance evaluated for impairment:

    

evaluated for impairment:

  
 

Beginning

    

(recovery of)

    

Charge

            

Ending

    

Purchase Credit

    

Purchase Credit

  

September 30, 2021

balance

    

loan losses

    

offs

    

Recoveries

    

balance

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                       

Real estate:

                                                                                      

Commercial

 $ 2,230,129     $ 348,650     $ -     $ 9,500     $ 2,588,279     $ 99,473     $ -     $ 2,488,806     $ 6,875,087     $ 87,708     $ 309,189,806  

Construction and land development

   201,692       32,105       -       12,150       245,947       -       -       245,947       -       1,531,846       27,136,796  

Residential

   644,639       (28,549 )     (18,970 )     -       597,120       -       -       597,120       40,626       570,860       113,982,176  

Commercial

   111,390       125,133       -       15,000       251,523       154,469       -       97,054       154,469       -       40,500,608  

Consumer

   2,138       1,863       -       -       4,001       -       -       4,001       -       -       379,530  

Unallocated

   106,550       (49,202 )     -       -       57,348       -       -       57,348       -       -       -  
  $ 3,296,538     $ 430,000     $ (18,970 )   $ 36,650     $ 3,744,218     $ 253,942     $ -     $ 3,490,276     $ 7,070,182     $ 2,190,414     $ 491,188,916  

 

                                         

Allowance for loan losses ending

    

Outstanding loan balances

  
         

Provision for

                            

balance evaluated for impairment:

    

evaluated for impairment:

  
 

Beginning

    

(recovery of)

    

Charge

            

Ending

    

Purchase Credit

    

Purchase Credit

  

December 31, 2021

balance

    

loan losses

    

offs

    

Recoveries

    

balance

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                       

Real estate:

                                                                                      

Commercial

 $ 2,230,129     $ 241,301     $ -     $ 11,500     $ 2,482,930     $ 129,461     $ -     $ 2,353,469     $ 6,820,932     $ 56,825     $ 312,307,359  

Construction and land development

   201,692       (3,345 )     -       16,200       214,547       -       -       214,547       -       383,666       27,838,188  

Residential

   644,639       (22,111 )     (18,970 )     -       603,558       -       -       603,558       39,228       568,151       106,828,654  

Commercial

   111,390       129,023       -       15,000       255,413       152,449       -       102,964       152,449       -       31,029,757  

Consumer

   2,138       2,232       -       -       4,370       -       -       4,370       -       -       355,958  

Unallocated

   106,550       (17,100 )     -       -       89,450       -       -       89,450       -       -       -  
  $ 3,296,538     $ 330,000     $ (18,970 )   $ 42,700     $ 3,650,268     $ 281,910     $ -     $ 3,368,358     $ 7,012,609     $ 1,008,642     $ 478,359,916  

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

4.         Loans (Continued)

 

The following table provides activity for the accretable credit discount of purchased loans:

 

   

2022

  
         

Balance at December 31, 2021

   $ 1,629,242  

Accretion

     575,746  

Balance at September 30, 2022

   $ 1,053,496  

 

 

At September 30, 2022, the nonaccretable discount on purchased impaired loans was $241,587, a decrease of $225,000 from December 31, 2021 as a result of one of the loans paying off in full. At September 30, 2022, the accretable discount on purchased impaired loans was $0 after the accretion of $140,608. At September 30, 2022, the remaining yield premium on purchased loans was $994,406. At September 30, 2022, the principal balance of purchased loans was $88,567,633 and the carrying value was $88,266,956. At September 30, 2022, there were no residential real estate loans in the process of foreclosure.
XML 22 R13.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 5 - Goodwill and Other Intangibles
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Goodwill and Intangible Assets Disclosure [Text Block]

5.         Goodwill and Other Intangibles

 

The acquisition of Carroll Bancorp, Inc. in October of 2020 resulted in the recording of goodwill and core deposit intangible (“CDI”). The following table presents the changes in both assets:

 

   

Goodwill

    

CDI

    

Total

  
                         

Balance at December 31, 2021

   $ 6,978,208     $ 72,872     $ 7,051,080  

Amortization

     -       (6,246 )     (6,246 )

Balance at September 30, 2022

   $ 6,978,208     $ 66,626     $ 7,044,834  

 

The CDI is being amortized over 10 years on a straight-line basis. Annual amortization will be $8,328 for each of the years ended December 31, 2022 through 2029 and $6,246 in 2030. Since the merger was a tax-free reorganization, goodwill and CDI are not deductible for income tax purposes.
XML 23 R14.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 6 - Lease Commitments
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Lessee, Operating Leases [Text Block]

6.         Lease Commitments

 

The Company and its subsidiaries are obligated under operating leases for certain office premises.

 

The following table shows operating lease right of use assets and operating lease liabilities as of September 30, 2022 and December 31, 2021:

 

 

Consolidated Balance

                
 

Sheet classification

  

September 30, 2022

    

December 31, 2021

  

Operating lease right of use asset

Other assets

   $ 981,295     $ 1,093,382  

Operating lease liabilities

Other liabilities

     1,203,895       1,311,570  

 

Operating lease cost included in occupancy expense in the statement of income for the three months ended September 30, 2022 and 2021 was $47,308 and $43,178, respectively. Operating lease cost included in occupancy expense in the statement of income for the nine months ended September 30, 2022 and 2021 was $142,160 and $144,529, respectively.

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

6.         Lease Commitments (continued)

 

A maturity analysis of operating lease liabilities, including those option years for which the Company is reasonably certain to renew, and reconciliation of the undiscounted cash flows to the total operating lease liabilities are as follows:

 

 

Year

    

Amount

  
           

2022

     $ 46,700  

2023

       190,356  

2024

       195,946  

2025

       201,713  

2026

       207,664  

Thereafter

       495,063  

Total undiscounted cash flow

       1,337,442  

Discount

       (133,547 )

Lease liabilities

     $ 1,203,895  

 

For operating leases as of September 30, 2022, the weighted average remaining lease term is 6.8 years and the weighted average discount rate is 3.25%. During the nine-month periods ended September 30, 2022 and 2021, cash paid for amounts included in the measurement of lease liabilities was $137,748 and $130,506, respectively.
XML 24 R15.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 7 - Capital Standards
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Regulatory Capital Requirements under Banking Regulations [Text Block]

7.         Capital Standards

 

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

 

Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios (set forth in the table below) of Common Equity Tier 1 capital, Tier 1 capital, and Total capital (as defined in the regulations) to risk‑weighted assets (as defined), and of Tier 1 capital to adjusted quarterly average assets (as defined).

 

In connection with the adoption of the Basel III Capital Rules, the Bank elected to opt-out of the requirement to include accumulated other comprehensive income in Common Equity Tier 1 capital. Common Equity Tier 1 capital for the Bank is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities and subject to transition provisions.

 

Insured depository institutions are required to meet the following in order to qualify as “well capitalized”: (i) a common equity Tier 1 risk-based capital ratio of 6.5%; (ii) a Tier 1 risk-based capital ratio of 8%; (iii) a total risk-based capital ratio of 10%; and (iv) a Tier 1 leverage ratio of 5%.

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

7.         Capital Standards (continued)

 

The implementation of the capital conservation buffer began on January 1, 2016 at the 0.625% level and was phased in over a four-year period (increasing by that amount on each subsequent January 1, until it reached 2.5% on January 1, 2019). The Basel III Capital Rules also provide for a “countercyclical capital buffer” that is applicable to only certain covered institutions and does not have current applicability to the Bank. As of September 30, 2022, the Bank met all capital adequacy requirements under the Basel III Capital Rules on a fully phased‑in basis.

 

The aforementioned capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a ratio of Common Equity Tier 1 capital to risk-weighted assets above the minimum but below the conservation buffer (or below the combined capital conservation buffer and countercyclical capital buffer, when the latter is applied) will face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall.

 

The following table presents actual and required capital ratios as of September 30, 2022 and December 31, 2021 for the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of September 30, 2022 and December 31, 2021 based on the phase-in provisions of the Basel III Capital Rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules. Capital ratios of the Company are substantially the same as the Bank’s.

 

                   

Minimum

    

To Be Well

  

(Dollars in thousands)

  

Actual

    

Capital Adequacy

    

Capitalized

  

September 30, 2022

  

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

  
                                                 

Total capital (to risk-weighted assets)

   $ 73,913       12.82 %   $ 60,520       10.50 %   $ 57,638       10.00 %

Tier 1 capital (to risk-weighted assets)

     70,166       12.17 %     48,992       8.50 %     46,110       8.00 %

Common equity tier 1 (to risk-weighted assets)

     70,166       12.17 %     40,347       7.00 %     37,465       6.50 %

Tier 1 leverage (to average assets)

     70,166       9.73 %     28,835       4.00 %     36,044       5.00 %
                                                 
                                                 

 

                   

Minimum

    

To Be Well

  

(Dollars in thousands)

  

Actual

    

Capital Adequacy

    

Capitalized

  

December 31, 2021

  

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

  
                                                 

Total capital (to risk-weighted assets)

   $ 69,957       13.24 %   $ 55,471       10.50 %   $ 52,830       10.00 %

Tier 1 capital (to risk-weighted assets)

     66,307       12.55 %     44,905       8.50 %     42,264       8.00 %

Common equity tier 1 (to risk-weighted assets)

     66,307       12.55 %     36,981       7.00 %     34,339       6.50 %

Tier 1 leverage (to average assets)

     66,307       9.27 %     28,614       4.00 %     35,767       5.00 %

 

To be categorized as well capitalized, the Bank must maintain ratios as set forth in the table. As of September 30, 2022, the most recent notification from the Federal Deposit Insurance Corporation (the “FDIC”) categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There have been no conditions or events since that notification that management believes have changed the Bank’s category.

 

The FDIC, through formal or informal agreement, has the authority to require an institution to maintain higher capital ratios than those provided by statute, to be categorized as well capitalized under the regulatory framework for prompt corrective action.

 
XML 25 R16.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 8 - Fair Value
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Fair Value Disclosures [Text Block]

8.         Fair Value

 

In accordance with ASC 820, “Fair Value Measurements and Disclosure”, the Bank uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability (“an exit price”) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Bank’s various financial instruments. 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. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.

 

The fair value guidance provides a consistent definition of fair value, which focuses on exit price in the principal or most advantageous market for the asset or liability in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is the most representative of fair value under current market conditions.

 

In accordance with the guidance, a hierarchy of valuation techniques is 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. The three levels of the fair value hierarchy under ASC 820 based on these two types of inputs are as follows:

 

 

●

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

 

 

●

Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, and other inputs that are observable or can be corroborated by observable market data.

 

 

●

Level 3: Significant unobservable inputs that reflect the Company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

 

The Company uses the following methods and significant assumptions to estimate the fair values of the following assets:

 

 

●

Securities available for sale: The fair values of securities available for sale are determined by obtaining quoted prices from a nationally recognized securities pricing agent. If quoted market prices are not available, fair value is determined using quoted market prices for similar securities.

 

 

●

Equity security at fair value: The Company’s investment in an equity mutual fund is valued based on the net asset value of the fund, which is classified as Level 1.

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

8.         Fair Value (continued)

 

 

●

Other real estate owned (“OREO”): Nonrecurring fair value adjustments to OREO reflect full or partial write-downs that are based on the OREO’s observable market price or current appraised value of the real estate. Since the market for OREO is not active, OREO subjected to nonrecurring fair value adjustments based on the current appraised value of the real estate are classified as Level 3. The appraised value is obtained annually from an independent third party appraiser and is reduced by expected sales costs, which has historically been 10% of the appraised value.

 

 

●

Impaired loans: Nonrecurring fair value adjustments to impaired loans reflect full or partial write-downs and reserves that are based on the impaired loan’s observable market price or current appraised value of the collateral. Since the market for impaired loans is not active, such loans subjected to nonrecurring fair value adjustments based on the current appraised value of the collateral are classified as Level 3. The appraised value is obtained annually from an independent third party appraiser and is reduced by expected sales costs, which has historically been 10% of the appraised value.

 

The following table summarizes financial assets measured at fair value on a recurring and nonrecurring basis as of September 30, 2022 and December 31, 2021, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:

 

   

Carrying Value:

  
   

Level 1

    

Level 2

    

Level 3

    

Total

  

September 30, 2022

                                
                                 

Recurring:

                                

Available for sale securities

                                

State and municipal

   $ -     $ 547,729     $ -     $ 547,729  

SBA pools

     -       1,106,055       -       1,106,055  

Corporate bonds

     -       9,428,552       -       9,428,552  

Mortgage-backed securities

     -       117,531,697       -       117,531,697  
    $ -     $ 128,614,033     $ -     $ 128,614,033  
                                 

Equity security at fair value

                                

Mutual fund

   $ 486,237     $ -     $ -     $ 486,237  
                                 

Nonrecurring:

                                

Other real estate owned, net

   $ -     $ -     $ 1,242,365     $ 1,242,365  

Impaired loans, net

   $ -     $ -     $ 373,500     $ 373,500  

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

8.         Fair Value (continued)

 

   

Carrying Value:

  
   

Level 1

    

Level 2

    

Level 3

    

Total

  

December 31, 2021

                                
                                 

Recurring:

                                

Available for sale securities

                                

State and municipal

   $ -     $ 763,498     $ -     $ 763,498  

SBA pools

     -       1,397,762       -       1,397,762  

Corporate Bonds

     -       8,584,207       650,000       9,234,207  

Mortgage-backed securities

     -       137,842,449       -       137,842,449  
    $ -     $ 148,587,916     $ 650,000     $ 149,237,916  
                                 

Equity security at fair value

                                

Mutual fund

   $ 543,605     $ -     $ -     $ 543,605  
                                 

Nonrecurring:

                                

Other real estate owned, net

   $ -     $ -     $ 1,242,365     $ 1,242,365  

Impaired loans, net

     -       -       373,500       373,500  

 

The following table displays quantitative information about level 3 inputs for September 30, 2022 and December 31, 2021:

 

September 30, 2022:

                    

Assets

  

Fair Value

  

Valuation Techniques

Unobservable Input

  

Average

  

Impaired loans

                    
                     

Commercial real estate

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %

Commercial

     -  

Discounted appraised value

Marketability/selling costs

     10 %

Total impaired loans

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %
                     

OREO

   $ 1,242,365  

Discounted appraised value

Marketability/selling costs

     10 %
                     

 

December 31, 2021:

                    

Assets

  

Fair Value

  

Valuation Techniques

Unobservable Input

  

Average

  

Impaired loans

                    
                     

Commercial real estate

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %

Commercial

     -  

Discounted appraised value

Marketability/selling costs

     10 %

Total impaired loans

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %
                     

OREO

   $ 1,242,365  

Discounted appraised value

Marketability/selling costs

     10 %

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

 

8.         Fair Value (continued)

 

The estimated fair value of financial instruments that are reported at amortized cost in the Company’s consolidated balance sheets, segregated by the level of the valuation inputs were as follows:

 

   

September 30, 2022

    

December 31, 2021

  
   

Carrying

    

Estimated

    

Carrying

    

Estimated

  
   

Amount

    

Fair Value

    

Amount

    

Fair Value

  

Financial assets

                                

Level 1 inputs

                                

Cash and cash equivalents

   $ 16,031,744     $ 16,031,744     $ 26,462,106     $ 26,462,106  

Level 2 inputs

                                

Certificates of deposit in other banks

     100,000       100,000       350,000       350,000  

Accrued interest receivable

     1,600,382       1,600,382       1,609,063       1,609,063  

Securities held to maturity

     17,507,634       15,396,811       21,851,975       22,805,601  

Mortgage loans held for sale

     370,000       375,136       126,500       128,829  

Restricted stock, at cost

     695,000       695,000       675,400       675,400  

Bank owned life insurance

     14,535,898       14,535,898       11,556,163       11,556,163  

Level 3 inputs

                                

Securities held to maturity

     3,029,620       3,029,620       3,073,040       3,073,040  

Loans, net

     505,395,375       471,500,501       482,011,334       487,012,970  
                                 

Financial liabilities

                                

Level 1 inputs

                                

Noninterest-bearing deposits

   $ 131,269,680     $ 131,269,680     $ 124,175,615     $ 124,175,615  

Securities sold under repurchase agreements

     5,422,642       5,422,642       5,414,026       5,414,026  

Level 2 inputs

                                

Interest-bearing deposits

     507,700,154       503,645,154       502,239,055       502,396,172  

Federal Home Loan Bank advances

     5,000,000       4,596,000       5,000,000       4,967,000  

Long-term debt

     15,566,458       15,436,251       16,978,905       17,298,111  

Accrued interest payable

     260,266       260,266       295,910       295,910  

 
XML 26 R17.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 9 - Earnings Per Share
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Earnings Per Share [Text Block]

9.          Earnings per Share

 

Basic earnings per share is determined by dividing net income available to stockholders by the weighted-average number of shares of common stock outstanding during the period and does not include the effect of any potentially dilutive common stock equivalents, giving retroactive effect to stock dividends declared during the period. Diluted earnings per share is determined in the same manner, except that the weighted-average number of shares of common stock outstanding is adjusted for the dilutive effect of outstanding common stock equivalents. The following table sets forth the calculation of basic and diluted earnings per share for the three- and nine-month periods ended September 30, 2022 and 2021. There were no common stock equivalents outstanding during the nine-month periods ended September 30, 2022 or 2021.

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Notes to Consolidated Financial Statements (Continued)

(Unaudited)

9.          Earnings per Share (continued)

 

   

Three Months Ended

    

Nine Months Ended

  
   

September 30,

    

September 30,

  
   

2022

    

2021

    

2022

    

2021

  
                                 

Net income

   $ 1,974,310     $ 2,122,547     $ 6,075,845     $ 6,184,341  

Weighted average shares outstanding

     3,053,487       3,023,487       3,043,006       3,015,602  

Earnings per share - basic and diluted

   $ 0.65     $ 0.70     $ 2.00     $ 2.05  

 

 
XML 27 R18.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 10 - Retirement Plans
 9 Months Ended
Sep. 30, 2022
Notes to Financial Statements  
Retirement Benefits [Text Block]

10.         Retirement Plans

 

The Company has a profit sharing plan qualifying under Section 401(k) of the Internal Revenue Code. All employees age 21 or older with six months of service are eligible for participation in the plan. The Company matches employee contributions up to 4% of total compensation and may make additional discretionary contributions. Employee and employer contributions are 100% vested when made. The Company’s contributions to this plan were $53,057 and $52,818 for the three-month periods ended September 30, 2022 and 2021, respectively, and $192,223 and $194,566 for the nine-month periods ended September 30, 2022 and 2021.

 

The Company has entered into agreements with 12 employees to provide certain life insurance benefits payable in connection with policies of life insurance on those employees that are owned by the Company. Each of the agreements provides for the amount of death insurance benefits to be paid to beneficiaries of the insured. For this plan, the Company expensed $1,702 and $1,661 for the three-month periods ended September 30, 2022 and 2021, respectively, and $5,107 and $4,982 for the nine-month periods ended September 30, 2022 and 2021.

 

The Company adopted supplemental executive retirement plans for four of its executives. The plans provide cash compensation to the executive officers under certain circumstances, including a separation of service. The benefits vest over the period from adoption to a specified age for each executive. The Company recorded expenses related to these plans, including interest, of $46,250 and $42,000 for the three-month periods ended September 30, 2022 and 2021, respectively, and $136,250 and $126,000 for the nine-month periods ended September 30, 2022 and 2021.

 

Retirement plan expenses are included in employee benefits on the consolidated statements of income.

 
XML 28 R19.htm IDEA: XBRL DOCUMENT v3.22.2.2
Significant Accounting Policies (Policies)
 9 Months Ended
Sep. 30, 2022
Accounting Policies [Abstract]  
New Accounting Pronouncements, Policy [Policy Text Block]

Recent Accounting Pronouncements

 

In June 2016, FASB issued Accounting Standards Update (“ASU”) 2016‑13, “Financial Instruments – Credit Losses”. The ASU sets forth a “current expected credit loss” (CECL) model that requires the Company to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions, and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. ASU 2019-10 “Financial Instruments – Credit Losses (Topic 326), Derivatives and hedging (Topic 815), and Leases (Topic 842): Effective Dates” extended the implementation date to January 1, 2023 for SEC-registered smaller reporting companies and private companies. The Company is a smaller reporting company. The Company has engaged a third-party vendor to assist in the implementation of this ASU. The CECL model is being run parallel with the current calculation of the allowance for loan losses during 2022. The detailed loan data was successfully uploaded to the new model for both March 31, June 30, 2022, and September 30, 2022. Loan categories have been finalized and qualitative factors are being fine-tuned. Model validation is in process. Several members of the Company’s senior management and credit administration teams are participating in the implementation.

 

 

2. Basis of Presentation (continued)

 

 

In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 843)”: Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU Provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effect of) reference rate reform, on financial reporting. The risk of termination of the London Interbank Offered Rate (LIBOR), has caused regulators to undertake reference rate reform initiatives to identify alternative reference rates that are more observable or transaction based that are less susceptible to manipulation. ASU 2020-04 is effective between March 12, 2020 and December 31, 2022. The Company has identified its products that utilize LIBOR and has begun efforts to transition to the Secured Overnight Financing Rate in 2023. Borrowers have been notified of the pending change.

 

In March 2022, the FASB issued ASU No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures.” ASU 2022-02 addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU 2016-13) that introduced the CECL model. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The amendments in this ASU should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. For entities that have adopted ASU 2016-13, ASU 2022-02 is effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. For entities that have not yet adopted ASU 2016-13, the effective dates for ASU 2022-02 are the same as the effective dates in ASU 2016-13. Early adoption is permitted if an entity has adopted ASU 2016-13. An entity may elect to early adopt the amendments about TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company is currently assessing the impact that ASU 2022-02 will have on its consolidated financial statements.

 

The accounting policies adopted by management are consistent with authoritative GAAP and are consistent with those followed by our peers.

 
XML 29 R20.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 3 - Investment Securities (Tables)
 9 Months Ended
Sep. 30, 2022
Notes Tables  
Marketable Securities [Table Text Block]
   

Amortized

    

Unrealized

    

Unrealized

    

Fair

  

September 30, 2022

  

cost

    

gains

    

losses

    

value

  
                                 

Available for sale

                                
                                 

State and municipal

   $ 570,310     $ -     $ 22,581     $ 547,729  

SBA pools

     1,119,622       1,796       15,363       1,106,055  

Corporate bonds

     10,429,690       -       1,001,138       9,428,552  

Mortgage-backed securities

     140,842,314       152       23,310,769       117,531,697  
    $ 152,961,936     $ 1,948     $ 24,349,851     $ 128,614,033  
                                 

Held to maturity

                                
                                 

State and municipal

   $ 20,537,254     $ 1,375     $ 2,112,198     $ 18,426,431  
   

Amortized

    

Unrealized

    

Unrealized

    

Fair

  

December 31, 2021

  

cost

    

gains

    

losses

    

value

  
                                 

Available for sale

                                
                                 

State and municipal

   $ 753,061     $ 10,437     $ -     $ 763,498  

SBA pools

     1,418,770       1,656       22,664       1,397,762  

Corporate bonds

     9,225,153       64,595       55,541       9,234,207  

Mortgage-backed securities

     139,765,445       336,084       2,259,080       137,842,449  
    $ 151,162,429     $ 412,772     $ 2,337,285     $ 149,237,916  
                                 

Held to maturity

                                
                                 

State and municipal

   $ 21,851,975     $ 1,020,877     $ 67,251     $ 22,805,601  
Investments Classified by Contractual Maturity Date [Table Text Block]
   

Available for Sale

    

Held to Maturity

  
   

Amortized

    

Fair

    

Amortized

    

Fair

  

September 30, 2022

  

cost

    

value

    

cost

    

value

  
                                 

Within one year

   $ 70,310     $ 69,699     $ 330,000     $ 330,172  

Over one to five years

     3,602,980       3,415,812       473,510       464,965  

Over five to ten years

     7,326,710       6,490,770       2,246,345       2,088,287  

Over ten years

     -       -       17,487,399       15,543,007  
      11,000,000       9,976,281       20,537,254       18,426,431  

Mortgage-backed securities and

                                

SBA pools, due in monthlyinstallments

     141,961,936       118,637,752       -       -  
    $ 152,961,936     $ 128,614,033     $ 20,537,254     $ 18,426,431  
Schedule of Unrealized Loss on Investments [Table Text Block]

September 30, 2022

  

Less than 12 months

    

12 months or more

    

Total

  

Description of investments

  

Fair Value

    

Unrealized

Loss

    

Fair Value

    

Unrealized

Loss

    

Fair Value

    

Unrealized

Loss

  
                                                 

State and municipal

   $ 13,564,241     $ 1,565,843     $ 1,556,463     $ 568,936     $ 15,120,704     $ 2,134,779  

SBA pools

     -       -       923,700       15,363       923,700       15,363  

Corporate bonds

     8,039,155       875,570       989,397       125,568       9,028,552       1,001,138  

Mortgage-backed securities

     64,335,274       10,303,353       53,002,811       13,007,416       117,338,085       23,310,769  

Total

   $ 85,938,670     $ 12,744,766     $ 56,472,371     $ 13,717,283     $ 142,411,041     $ 26,462,049  

December 31, 2021

  

Less than 12 months

    

12 months or more

    

Total

  

Description of investments

  

Fair value

    

Unrealized

loss

    

Fair value

    

Unrealized

loss

    

Fair value

    

Unrealized

loss

  
                                                 

State and municipal

   $ 1,324,648     $ 35,720     $ 715,650     $ 31,531     $ 2,040,298     $ 67,251  

SBA pools

     -       -       1,133,398       22,664       1,133,398       22,664  

Corporate bonds

     5,443,886       55,541       -       -       5,443,886       55,541  

Mortgage-backed securities

     117,840,965       2,034,858       4,781,586       224,222       122,622,551       2,259,080  

Total

   $ 124,609,499     $ 2,126,119     $ 6,630,634     $ 278,417     $ 131,240,133     $ 2,404,536  
XML 30 R21.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans (Tables)
 9 Months Ended
Sep. 30, 2022
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
   

September 30,

    

December 31,

  
   

2022

    

2021

  

Real estate:

                

Commercial

   $ 342,620,080     $ 319,185,116  

Construction and land development

     24,416,365       28,221,854  

Residential

     113,435,287       107,436,033  

Commercial

     28,885,402       31,182,206  

Consumer

     368,607       355,958  
      509,725,741       486,381,167  

Less: Allowance for loan losses

     3,747,178       3,650,268  

Deferred origination fees net of costs

     583,188       719,565  
    $ 505,395,375     $ 482,011,334  
Financing Receivable, Nonaccrual [Table Text Block]
   

September 30,

    

December 31,

  
   

2022

    

2021

  

Commercial real estate

   $ 502,961     $ 4,810,965  

Residential real estate

     31,500       31,500  

Commercial

     152,449       152,449  
    $ 686,910     $ 4,994,914  
Financing Receivable, Past Due [Table Text Block]
                 

90 Days

                            

Past Due 90

  
 

30 - 59 Days

    

60 - 89 Days

    

or More

    

Total

            

Total

    

Days or More

  
 

Past Due

    

Past Due

    

Past Due

    

Past Due

    

Current

    

Loans

    

and Accruing

  

September 30, 2022

                                                      

Real estate:

                                                      

Commercial

 $ -     $ 166,386     $ 502,961     $ 669,347     $ 341,950,733     $ 342,620,080     $ -  

Construction and land development

   -       -       -       -       24,416,365       24,416,365       -  

Residential

   -       -       31,500       31,500       113,403,787       113,435,287       -  

Commercial

   -       -       152,449       152,449       28,732,953       28,885,402       -  

Consumer

   -       -       -       -       368,607       368,607       -  

Total

 $ -     $ 166,386     $ 686,910     $ 853,296     $ 508,872,445     $ 509,725,741     $ -  
                                                       

December 31, 2021

                                                      

Real estate:

                                                      

Commercial

 $ -     $ -     $ 502,961     $ 502,961     $ 318,682,155     $ 319,185,116     $ -  

Construction and land development

   -       -       -       -       28,221,854       28,221,854       -  

Residential

   -       -       249,161       249,161       107,186,872       107,436,033       217,661  

Commercial

   -       -       415,690       415,690       30,766,516       31,182,206       263,241  

Consumer

   -       -       -       -       355,958       355,958       -  

Total

 $ -     $ -     $ 1,167,812     $ 1,167,812     $ 485,213,355     $ 486,381,167     $ 480,902  
Impaired Financing Receivables [Table Text Block]
   

Unpaid

    

Recorded

    

Recorded

                                  
   

Contractual

    

Investment

    

Investment

    

Total

            

Average

          
   

Principal

    

With No

    

With

    

Recorded

    

Related

    

Recorded

    

Interest

  
   

Balance

    

Allowance

    

Allowance

    

Investment

    

Allowance

    

Investment

    

Recognized

  

September 30, 2022

                                                        

Commercial real estate

   $ 7,210,361     $ 6,707,400     $ 502,961     $ 7,210,361     $ 129,461     $ 7,015,647     $ 141,479  

Residential real estate

     34,954       34,954       -       34,954       -       37,091       1,104  

Commercial

     152,449       -       152,449       152,449       152,449       152,449       -  
      7,397,764       6,742,354       655,410       7,397,764       281,910       7,205,187       142,583  
                                                         

September 30, 2021

                                                        

Commercial real estate

   $ 6,875,087     $ 6,367,416     $ 408,198     $ 6,775,614     $ 99,473     $ 3,387,807     $ 77,603  

Residential real estate

     40,626       40,626       -       40,626       -       39,927       -  

Commercial

     154,469       -       -       -       154,469       76,225       1,271  
    $ 7,070,182     $ 6,408,042     $ 408,198     $ 6,816,240     $ 253,942     $ 3,503,959     $ 78,874  

December 31, 2021

                                                        

Commercial real estate

   $ 6,820,932     $ 6,317,971     $ 502,961     $ 6,820,932     $ 129,461     $ 6,740,539     $ 125,079  

Residential real estate

     39,228       39,228       -       39,228       -       41,981       1,672  

Commercial

     152,449       -       152,449       152,449       152,449       76,225       69,005  
    $ 7,012,609     $ 6,357,199     $ 655,410     $ 7,012,609     $ 281,910     $ 6,858,745     $ 195,756  
Financing Receivable Credit Quality Indicators [Table Text Block]
       

Above

              

Pass

  

Special

                    

September 30, 2022

Excellent

  

average

  

Average

  

Acceptable

  

watch

  

mention

  

Substandard

  

Doubtful

  

Total

  
                                                       

Real estate:

                                                      

Commercial

 $ -   $ 18,082   $ 69,687,996   $ 186,657,806   $ 76,663,355   $ 166,386   $ 9,426,455   $ -   $ 342,620,080  

Construction and land development

   -     -     3,664,371     13,405,947     7,346,047     -     -     -     24,416,365  

Residential

   11,139     592,377     41,671,626     61,873,489     6,958,191     -     2,328,465     -     113,435,287  

Commercial

   772,026     -     8,742,069     15,547,728     3,671,130     -     152,449     -     28,885,402  

Consumer

   2,007     18,292     108,459     214,861     7,996     -     -     16,992     368,607  
  $ 785,172   $ 628,751   $ 123,874,521   $ 277,699,831   $ 94,646,719   $ 166,386   $ 11,907,369   $ 16,992   $ 509,725,741  
       

Above

              

Pass

  

Special

                    

December 31, 2021

Excellent

  

average

  

Average

  

Acceptable

  

watch

  

mention

  

Substandard

  

Doubtful

  

Total

  
                                                       

Real estate:

                                                      

Commercial

 $ -   $ 1,225,732   $ 73,924,748   $ 146,174,439   $ 82,018,890   $ 3,345,788   $ 12,495,519   $ -   $ 319,185,116  

Construction and land development

   -     -     3,853,775     12,452,257     9,973,457     1,942,365     -     -     28,221,854  

Residential

   41,152     708,162     46,358,477     48,295,430     9,570,815     -     2,461,997     -     107,436,033  

Commercial

   9,774,570     -     5,292,721     12,585,396     3,377,070     -     152,449     -     31,182,206  

Consumer

   5,813     168,037     147,903     2,280     11,298     -     -     20,627     355,958  
  $ 9,821,535   $ 2,101,931   $ 129,577,624   $ 219,509,802   $ 104,951,530   $ 5,288,153   $ 15,109,965   $ 20,627   $ 486,381,167  
Financing Receivable, Allowance for Credit Loss [Table Text Block]
                                         

Allowance for loan losses ending

    

Outstanding loan balances

  
         

Provision for

                            

balance evaluated for impairment:

    

evaluated for impairment:

  
 

Beginning

    

(recovery of)

    

Charge

            

Ending

    

Purchase Credit

    

Purchase Credit

  

September 30, 2022

balance

    

loan losses

    

offs

    

Recoveries

    

balance

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                       

Real estate:

                                                                                      

Commercial

 $ 2,482,930     $ 126,385     $ (7,772 )   $ -     $ 2,601,543     $ 129,461     $ -     $ 2,472,082     $ 7,210,361     $ -     $ 335,409,719  

Construction and land development

   214,547       (69,938 )     -       12,150       156,759       -       -       156,759       -       -       24,416,365  

Residential

   603,558       67,729       -       -       671,287       -       -       671,287       34,954       375,844       113,024,489  

Commercial

   255,413       35,949       (2,468 )     -       288,894       152,449       -       136,445       152,449       242,382       28,490,571  

Consumer

   4,370       (383 )     -       -       3,987       -       -       3,987       -       -       368,607  

Unallocated

   89,450       (64,742 )     -       -       24,708       -       -       24,708       -       -       -  
  $ 3,650,268     $ 95,000     $ (10,240 )   $ 12,150     $ 3,747,178     $ 281,910     $ -     $ 3,465,268     $ 7,397,764     $ 618,226     $ 501,709,751  
                                         

Allowance for loan losses ending

    

Outstanding loan balances

  
         

Provision for

                            

balance evaluated for impairment:

    

evaluated for impairment:

  
 

Beginning

    

(recovery of)

    

Charge

            

Ending

    

Purchase Credit

    

Purchase Credit

  

September 30, 2021

balance

    

loan losses

    

offs

    

Recoveries

    

balance

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                       

Real estate:

                                                                                      

Commercial

 $ 2,230,129     $ 348,650     $ -     $ 9,500     $ 2,588,279     $ 99,473     $ -     $ 2,488,806     $ 6,875,087     $ 87,708     $ 309,189,806  

Construction and land development

   201,692       32,105       -       12,150       245,947       -       -       245,947       -       1,531,846       27,136,796  

Residential

   644,639       (28,549 )     (18,970 )     -       597,120       -       -       597,120       40,626       570,860       113,982,176  

Commercial

   111,390       125,133       -       15,000       251,523       154,469       -       97,054       154,469       -       40,500,608  

Consumer

   2,138       1,863       -       -       4,001       -       -       4,001       -       -       379,530  

Unallocated

   106,550       (49,202 )     -       -       57,348       -       -       57,348       -       -       -  
  $ 3,296,538     $ 430,000     $ (18,970 )   $ 36,650     $ 3,744,218     $ 253,942     $ -     $ 3,490,276     $ 7,070,182     $ 2,190,414     $ 491,188,916  
                                         

Allowance for loan losses ending

    

Outstanding loan balances

  
         

Provision for

                            

balance evaluated for impairment:

    

evaluated for impairment:

  
 

Beginning

    

(recovery of)

    

Charge

            

Ending

    

Purchase Credit

    

Purchase Credit

  

December 31, 2021

balance

    

loan losses

    

offs

    

Recoveries

    

balance

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                       

Real estate:

                                                                                      

Commercial

 $ 2,230,129     $ 241,301     $ -     $ 11,500     $ 2,482,930     $ 129,461     $ -     $ 2,353,469     $ 6,820,932     $ 56,825     $ 312,307,359  

Construction and land development

   201,692       (3,345 )     -       16,200       214,547       -       -       214,547       -       383,666       27,838,188  

Residential

   644,639       (22,111 )     (18,970 )     -       603,558       -       -       603,558       39,228       568,151       106,828,654  

Commercial

   111,390       129,023       -       15,000       255,413       152,449       -       102,964       152,449       -       31,029,757  

Consumer

   2,138       2,232       -       -       4,370       -       -       4,370       -       -       355,958  

Unallocated

   106,550       (17,100 )     -       -       89,450       -       -       89,450       -       -       -  
  $ 3,296,538     $ 330,000     $ (18,970 )   $ 42,700     $ 3,650,268     $ 281,910     $ -     $ 3,368,358     $ 7,012,609     $ 1,008,642     $ 478,359,916  
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Table Text Block]
   

2022

  
         

Balance at December 31, 2021

   $ 1,629,242  

Accretion

     575,746  

Balance at September 30, 2022

   $ 1,053,496  
XML 31 R22.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 5 - Goodwill and Other Intangibles (Tables)
 9 Months Ended
Sep. 30, 2022
Notes Tables  
Schedule of Intangible Assets and Goodwill [Table Text Block]
   

Goodwill

    

CDI

    

Total

  
                         

Balance at December 31, 2021

   $ 6,978,208     $ 72,872     $ 7,051,080  

Amortization

     -       (6,246 )     (6,246 )

Balance at September 30, 2022

   $ 6,978,208     $ 66,626     $ 7,044,834  
XML 32 R23.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 6 - Lease Commitments (Tables)
 9 Months Ended
Sep. 30, 2022
Notes Tables  
Schedule of Components of Lease Assets and Liabilities [Table Text Block]
 

Consolidated Balance

                
 

Sheet classification

  

September 30, 2022

    

December 31, 2021

  

Operating lease right of use asset

Other assets

   $ 981,295     $ 1,093,382  

Operating lease liabilities

Other liabilities

     1,203,895       1,311,570  
Lessee, Operating Lease, Liability, Maturity [Table Text Block]

Year

    

Amount

  
           

2022

     $ 46,700  

2023

       190,356  

2024

       195,946  

2025

       201,713  

2026

       207,664  

Thereafter

       495,063  

Total undiscounted cash flow

       1,337,442  

Discount

       (133,547 )

Lease liabilities

     $ 1,203,895  
XML 33 R24.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 7 - Capital Standards (Tables)
 9 Months Ended
Sep. 30, 2022
Notes Tables  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]
                   

Minimum

    

To Be Well

  

(Dollars in thousands)

  

Actual

    

Capital Adequacy

    

Capitalized

  

September 30, 2022

  

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

  
                                                 

Total capital (to risk-weighted assets)

   $ 73,913       12.82 %   $ 60,520       10.50 %   $ 57,638       10.00 %

Tier 1 capital (to risk-weighted assets)

     70,166       12.17 %     48,992       8.50 %     46,110       8.00 %

Common equity tier 1 (to risk-weighted assets)

     70,166       12.17 %     40,347       7.00 %     37,465       6.50 %

Tier 1 leverage (to average assets)

     70,166       9.73 %     28,835       4.00 %     36,044       5.00 %
                                                 
                                                 
                   

Minimum

    

To Be Well

  

(Dollars in thousands)

  

Actual

    

Capital Adequacy

    

Capitalized

  

December 31, 2021

  

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

  
                                                 

Total capital (to risk-weighted assets)

   $ 69,957       13.24 %   $ 55,471       10.50 %   $ 52,830       10.00 %

Tier 1 capital (to risk-weighted assets)

     66,307       12.55 %     44,905       8.50 %     42,264       8.00 %

Common equity tier 1 (to risk-weighted assets)

     66,307       12.55 %     36,981       7.00 %     34,339       6.50 %

Tier 1 leverage (to average assets)

     66,307       9.27 %     28,614       4.00 %     35,767       5.00 %
XML 34 R25.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 8 - Fair Value (Tables)
 9 Months Ended
Sep. 30, 2022
Notes Tables  
Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]
   

Carrying Value:

  
   

Level 1

    

Level 2

    

Level 3

    

Total

  

September 30, 2022

                                
                                 

Recurring:

                                

Available for sale securities

                                

State and municipal

   $ -     $ 547,729     $ -     $ 547,729  

SBA pools

     -       1,106,055       -       1,106,055  

Corporate bonds

     -       9,428,552       -       9,428,552  

Mortgage-backed securities

     -       117,531,697       -       117,531,697  
    $ -     $ 128,614,033     $ -     $ 128,614,033  
                                 

Equity security at fair value

                                

Mutual fund

   $ 486,237     $ -     $ -     $ 486,237  
                                 

Nonrecurring:

                                

Other real estate owned, net

   $ -     $ -     $ 1,242,365     $ 1,242,365  

Impaired loans, net

   $ -     $ -     $ 373,500     $ 373,500  
   

Carrying Value:

  
   

Level 1

    

Level 2

    

Level 3

    

Total

  

December 31, 2021

                                
                                 

Recurring:

                                

Available for sale securities

                                

State and municipal

   $ -     $ 763,498     $ -     $ 763,498  

SBA pools

     -       1,397,762       -       1,397,762  

Corporate Bonds

     -       8,584,207       650,000       9,234,207  

Mortgage-backed securities

     -       137,842,449       -       137,842,449  
    $ -     $ 148,587,916     $ 650,000     $ 149,237,916  
                                 

Equity security at fair value

                                

Mutual fund

   $ 543,605     $ -     $ -     $ 543,605  
                                 

Nonrecurring:

                                

Other real estate owned, net

   $ -     $ -     $ 1,242,365     $ 1,242,365  

Impaired loans, net

     -       -       373,500       373,500  
Fair Value Measurements, Nonrecurring [Table Text Block]

September 30, 2022:

                    

Assets

  

Fair Value

  

Valuation Techniques

Unobservable Input

  

Average

  

Impaired loans

                    
                     

Commercial real estate

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %

Commercial

     -  

Discounted appraised value

Marketability/selling costs

     10 %

Total impaired loans

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %
                     

OREO

   $ 1,242,365  

Discounted appraised value

Marketability/selling costs

     10 %
                     

December 31, 2021:

                    

Assets

  

Fair Value

  

Valuation Techniques

Unobservable Input

  

Average

  

Impaired loans

                    
                     

Commercial real estate

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %

Commercial

     -  

Discounted appraised value

Marketability/selling costs

     10 %

Total impaired loans

   $ 373,500  

Discounted appraised value

Marketability/selling costs

     10 %
                     

OREO

   $ 1,242,365  

Discounted appraised value

Marketability/selling costs

     10 %
Fair Value, by Balance Sheet Grouping [Table Text Block]
   

September 30, 2022

    

December 31, 2021

  
   

Carrying

    

Estimated

    

Carrying

    

Estimated

  
   

Amount

    

Fair Value

    

Amount

    

Fair Value

  

Financial assets

                                

Level 1 inputs

                                

Cash and cash equivalents

   $ 16,031,744     $ 16,031,744     $ 26,462,106     $ 26,462,106  

Level 2 inputs

                                

Certificates of deposit in other banks

     100,000       100,000       350,000       350,000  

Accrued interest receivable

     1,600,382       1,600,382       1,609,063       1,609,063  

Securities held to maturity

     17,507,634       15,396,811       21,851,975       22,805,601  

Mortgage loans held for sale

     370,000       375,136       126,500       128,829  

Restricted stock, at cost

     695,000       695,000       675,400       675,400  

Bank owned life insurance

     14,535,898       14,535,898       11,556,163       11,556,163  

Level 3 inputs

                                

Securities held to maturity

     3,029,620       3,029,620       3,073,040       3,073,040  

Loans, net

     505,395,375       471,500,501       482,011,334       487,012,970  
                                 

Financial liabilities

                                

Level 1 inputs

                                

Noninterest-bearing deposits

   $ 131,269,680     $ 131,269,680     $ 124,175,615     $ 124,175,615  

Securities sold under repurchase agreements

     5,422,642       5,422,642       5,414,026       5,414,026  

Level 2 inputs

                                

Interest-bearing deposits

     507,700,154       503,645,154       502,239,055       502,396,172  

Federal Home Loan Bank advances

     5,000,000       4,596,000       5,000,000       4,967,000  

Long-term debt

     15,566,458       15,436,251       16,978,905       17,298,111  

Accrued interest payable

     260,266       260,266       295,910       295,910  
XML 35 R26.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 9 - Earnings Per Share (Tables)
 9 Months Ended
Sep. 30, 2022
Notes Tables  
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]
   

Three Months Ended

    

Nine Months Ended

  
   

September 30,

    

September 30,

  
   

2022

    

2021

    

2022

    

2021

  
                                 

Net income

   $ 1,974,310     $ 2,122,547     $ 6,075,845     $ 6,184,341  

Weighted average shares outstanding

     3,053,487       3,023,487       3,043,006       3,015,602  

Earnings per share - basic and diluted

   $ 0.65     $ 0.70     $ 2.00     $ 2.05  
XML 36 R27.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 1 - Principles of Consolidation (Details Textual)
 9 Months Ended
Sep. 30, 2022
First Community Bankers Insurance Co., LLC [Member]  
Percentage of Ownership 100.00%
XML 37 R28.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 3 - Investment Securities (Details Textual)
 3 Months Ended 9 Months Ended
Sep. 30, 2022
USD ($)
Sep. 30, 2021
USD ($)
Sep. 30, 2022
USD ($)
Sep. 30, 2021
USD ($)
Dec. 31, 2021
USD ($)
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale     $ 15,121,772 $ 24,273,762  
Debt Securities, Available-for-Sale, Realized Gain (Loss), Total $ 0 $ 621 $ 0 9,190  
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions 179   179    
Held-to-Maturity, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 38   38    
Securities Called at a Premium [Member]          
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale     $ 0 $ 1,263,845  
Asset Pledged as Collateral [Member] | Government Deposits and Securities Sold Under Repurchase Agreement [Member]          
Debt Securities, Total $ 14,245,224   $ 14,245,224   $ 14,307,989
XML 38 R29.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 3 - Investment Securities - Investments in Debt Securities (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Amortized cost, available for sale $ 152,961,936 $ 151,162,429
Unrealized gains, available for sale 1,948 412,772
Unrealized losses, available for sale 24,349,851 2,337,285
Fair value, available for sale 128,614,033 149,237,916
Amortized cost, held to maturity 20,537,254 21,851,975
Fair value, held to maturity 18,426,431  
US States and Political Subdivisions Debt Securities [Member]    
Amortized cost, available for sale 570,310 753,061
Unrealized gains, available for sale 0 10,437
Unrealized losses, available for sale 22,581 0
Fair value, available for sale 547,729 763,498
Amortized cost, held to maturity 20,537,254 21,851,975
Unrealized gains, held to maturity 1,375 1,020,877
Unrealized losses, held to maturity 2,112,198 67,251
Fair value, held to maturity 18,426,431 22,805,601
SBA Pools [Member]    
Amortized cost, available for sale 1,119,622 1,418,770
Unrealized gains, available for sale 1,796 1,656
Unrealized losses, available for sale 15,363 22,664
Fair value, available for sale 1,106,055 1,397,762
Corporate Debt Securities [Member]    
Amortized cost, available for sale 10,429,690 9,225,153
Unrealized gains, available for sale 0 64,595
Unrealized losses, available for sale 1,001,138 55,541
Fair value, available for sale 9,428,552 9,234,207
Collateralized Mortgage-Backed Securities [Member]    
Amortized cost, available for sale 140,842,314 139,765,445
Unrealized gains, available for sale 152 336,084
Unrealized losses, available for sale 23,310,769 2,259,080
Fair value, available for sale $ 117,531,697 $ 137,842,449
XML 39 R30.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 3 - Investment Securities - Contractual Maturities (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Available for Sale Amortized cost, Within one year $ 70,310  
Available for Sale Fair value, Within one year 69,699  
Held to Maturity Amortized cost, Within one year 330,000  
Held to Maturity Fair value, Within one year 330,172  
Available for Sale Amortized cost, Over one to five years 3,602,980  
Available for Sale Fair value, Over one to five years 3,415,812  
Held to Maturity Amortized cost, Over one to five years 473,510  
Held to Maturity Fair value, Over one to five years 464,965  
Available for Sale Amortized cost, Fair value, Over one to five years 7,326,710  
Available for Sale Fair value, Over five to ten years 6,490,770  
Held to Maturity Amortized cost, Over five to ten years 2,246,345  
Held to Maturity Fair value, Over five to ten years 2,088,287  
Available for Sale Amortized cost, Over ten years 0  
Available for Sale Fair value, Over ten years 0  
Held to Maturity Amortized cost, Over ten years 17,487,399  
Held to Maturity Fair value, Over ten years 15,543,007  
Available for Sale Amortized cost, total maturity 11,000,000  
Available for Sale Fair value, total maturity 9,976,281  
Held to Maturity Amortized cost, total maturity 20,537,254  
Held to Maturity Fair value, total maturity 18,426,431  
Available for Sale Amortized cost, due in monthly installments 141,961,936  
Available for Sale Fair value, due in monthly installments 118,637,752  
Held to Maturity Amortized cost, due in monthly installments 0  
Held to Maturity Fair value, due in monthly installments 0  
Available for Sale, Amortized cost 152,961,936 $ 151,162,429
Available for Sale Fair value Total 128,614,033 149,237,916
Held to Maturity Amortized cost Total 20,537,254 $ 21,851,975
Held to Maturity Fair value Total $ 18,426,431  
XML 40 R31.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 3 - Investment Securities - Gross Unrealized Losses on Continuous Basis for Investment Securities (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Less than 12 months Fair value $ 85,938,670 $ 124,609,499
Less than 12 months Unrealized losses 12,744,766 2,126,119
12 months or more Fair value 56,472,371 6,630,634
12 months or more Unrealized losses 13,717,283 278,417
Total Fair value 142,411,041 131,240,133
Total Unrealized losses 26,462,049 2,404,536
US States and Political Subdivisions Debt Securities [Member]    
Less than 12 months Fair value 13,564,241 1,324,648
Less than 12 months Unrealized losses 1,565,843 35,720
12 months or more Fair value 1,556,463 715,650
12 months or more Unrealized losses 568,936 31,531
Total Fair value 15,120,704 2,040,298
Total Unrealized losses 2,134,779 67,251
SBA Pools [Member]    
Less than 12 months Fair value 0 0
Less than 12 months Unrealized losses 0 0
12 months or more Fair value 923,700 1,133,398
12 months or more Unrealized losses 15,363 22,664
Total Fair value 923,700 1,133,398
Total Unrealized losses 15,363 22,664
Corporate Debt Securities [Member]    
Less than 12 months Fair value 8,039,155 5,443,886
Less than 12 months Unrealized losses 875,570 55,541
12 months or more Fair value 989,397 0
12 months or more Unrealized losses 125,568 0
Total Fair value 9,028,552 5,443,886
Total Unrealized losses 1,001,138 55,541
Collateralized Mortgage-Backed Securities [Member]    
Less than 12 months Fair value 64,335,274 117,840,965
Less than 12 months Unrealized losses 10,303,353 2,034,858
12 months or more Fair value 53,002,811 4,781,586
12 months or more Unrealized losses 13,007,416 224,222
Total Fair value 117,338,085 122,622,551
Total Unrealized losses $ 23,310,769 $ 2,259,080
XML 41 R32.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans (Details Textual)
 9 Months Ended 12 Months Ended
Sep. 30, 2022
USD ($)
Sep. 30, 2021
USD ($)
Dec. 31, 2021
USD ($)
Jul. 31, 2022
USD ($)
Loans and Leases Receivable, Gross $ 509,725,741   $ 486,381,167  
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums     2,323,000  
Financing Receivable, Nonaccrual 686,910   4,994,914  
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans 38,155   219,734  
Impaired Financing Receivable, Related Allowance 281,910 $ 253,942 281,910  
Financing Receivable, Allowance for Credit Loss, Writeoff 10,240 18,970 18,970  
Certain Loans Acquired in Transfer, Nonaccretable Difference 241,587      
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference 225,000      
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield 1,053,496   1,629,242  
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion 575,746      
Certain Loans Acquired in Transfer, Accretable Yield 994,406      
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Outstanding Balance 88,567,633      
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net 88,266,956      
Mortgage Loans in Process of Foreclosure, Amount 0      
Financial Asset Acquired with Credit Deterioration [Member]        
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield 0      
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion 140,608      
Nonaccrual Loans [Member]        
Impaired Financing Receivable, Related Allowance 281,910   281,910  
Allowance for Loan and Lease Losses Write-offs, Net 8,176   27,146  
Commercial Portfolio Segment [Member]        
Loans and Leases Receivable, Gross $ 28,885,402   31,182,206  
Financing Receivable, Number of Loans, Nonaccrual Status 1      
Financing Receivable, Nonaccrual $ 152,449   152,449  
Impaired Financing Receivable, Related Allowance 152,449 154,469 $ 152,449  
Number of Loans Classified as TDR     1  
Financing Receivable, Allowance for Credit Loss, Writeoff 2,468 (0) $ (0)  
Commercial Real Estate Portfolio Segment [Member]        
Loans and Leases Receivable, Gross $ 342,620,080   $ 319,185,116  
Financing Receivable, Number of Loans, Nonaccrual Status 1   2  
Financing Receivable, Nonaccrual $ 502,961   $ 4,810,965  
Impaired Financing Receivable, Related Allowance $ 129,461 99,473 $ 129,461  
Financing Receivable, Nonaccrual, Resuming Principle and Interest Payments       $ 4,300,000
Number of Loans Classified as TDR 2   1  
Financing Receivable, Troubled Debt Restructuring $ 6,540,014   $ 2,009,967  
Financing Receivable, Troubled Debt Restructuring, Premodification 4,567,456      
Financing Receivable, Allowance for Credit Loss, Writeoff 7,772 (0) (0)  
Residential Portfolio Segment [Member]        
Loans and Leases Receivable, Gross $ 113,435,287   107,436,033  
Financing Receivable, Number of Loans, Nonaccrual Status 1      
Financing Receivable, Nonaccrual $ 31,500   31,500  
Impaired Financing Receivable, Related Allowance $ 0 0 $ 0  
Number of Loans Classified as TDR 1   1  
Financing Receivable, Troubled Debt Restructuring $ 34,954   $ 39,288  
Financing Receivable, Allowance for Credit Loss, Writeoff (0) 18,970 18,970  
Impaired Loans [Member]        
Financing Receivable, Allowance for Credit Loss, Writeoff 0   0  
SBA CARES Act Paycheck Protection Program [Member] | Commercial Portfolio Segment [Member]        
Loans and Leases Receivable, Gross 700,000   9,700,000  
Financing Receivable, Loans Originated Amount     $ 60,000,000  
Interest Income, Financing Receivable, before Allowance for Credit Loss $ 181,000 $ 679,000    
XML 42 R33.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans - Major Categories of Loans (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Loans $ 509,725,741 $ 486,381,167
Allowance for loan losses 3,747,178 3,650,268
Deferred origination fees net of costs 583,188 719,565
Loans and Leases Receivable, Net Amount 505,395,375 482,011,334
Commercial Real Estate Portfolio Segment [Member]    
Loans 342,620,080 319,185,116
Construction and Land Development [Member]    
Loans 24,416,365 28,221,854
Residential Portfolio Segment [Member]    
Loans 113,435,287 107,436,033
Commercial Portfolio Segment [Member]    
Loans 28,885,402 31,182,206
Consumer Portfolio Segment [Member]    
Loans $ 368,607 $ 355,958
XML 43 R34.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans - Non-accrual Loans (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Nonaccrual loans $ 686,910 $ 4,994,914
Commercial Real Estate Portfolio Segment [Member]    
Nonaccrual loans 502,961 4,810,965
Residential Portfolio Segment [Member]    
Nonaccrual loans 31,500 31,500
Commercial Portfolio Segment [Member]    
Nonaccrual loans $ 152,449 $ 152,449
XML 44 R35.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans - Past Due Loans (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Loans $ 509,725,741 $ 486,381,167
Loans, 90 days past due and still accruing 0 480,902
Financial Asset, 30 to 59 Days Past Due [Member]    
Loans 0 0
Financial Asset, 60 to 89 Days Past Due [Member]    
Loans 166,386 0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Loans 686,910 1,167,812
Financial Asset, Past Due [Member]    
Loans 853,296 1,167,812
Financial Asset, Not Past Due [Member]    
Loans 508,872,445 485,213,355
Commercial Real Estate Portfolio Segment [Member]    
Loans 342,620,080 319,185,116
Loans, 90 days past due and still accruing 0 0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Loans 0 0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Loans 166,386 0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Loans 502,961 502,961
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Loans 669,347 502,961
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Loans 341,950,733 318,682,155
Construction and Land Development [Member]    
Loans 24,416,365 28,221,854
Loans, 90 days past due and still accruing 0 0
Construction and Land Development [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Loans 0 0
Construction and Land Development [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Loans 0 0
Construction and Land Development [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Loans 0 0
Construction and Land Development [Member] | Financial Asset, Past Due [Member]    
Loans 0 0
Construction and Land Development [Member] | Financial Asset, Not Past Due [Member]    
Loans 24,416,365 28,221,854
Residential Portfolio Segment [Member]    
Loans 113,435,287 107,436,033
Loans, 90 days past due and still accruing 0 217,661
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Loans 0 0
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Loans 0 0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Loans 31,500 249,161
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Loans 31,500 249,161
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Loans 113,403,787 107,186,872
Commercial Portfolio Segment [Member]    
Loans 28,885,402 31,182,206
Loans, 90 days past due and still accruing 0 263,241
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Loans 0 0
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Loans 0 0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Loans 152,449 415,690
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Loans 152,449 415,690
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Loans 28,732,953 30,766,516
Consumer Portfolio Segment [Member]    
Loans 368,607 355,958
Loans, 90 days past due and still accruing 0 0
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Loans 0 0
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Loans 0 0
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Loans 0 0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Loans 0 0
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Loans $ 368,607 $ 355,958
XML 45 R36.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans - Impaired Loans (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Dec. 31, 2021
Unpaid Contractual Principal Balance $ 7,397,764 $ 7,070,182 $ 7,012,609
Recorded Investment With No Allowance 6,742,354 6,408,042 6,357,199
Recorded Investment With Allowance 655,410 408,198 655,410
Total Recorded Investment 7,397,764 6,816,240 7,012,609
Related Allowance 281,910 253,942 281,910
Average Recorded Investment 7,205,187 3,503,959 6,858,745
Interest Recognized 142,583 78,874 195,756
Commercial Real Estate Portfolio Segment [Member]      
Unpaid Contractual Principal Balance 7,210,361 6,875,087 6,820,932
Recorded Investment With No Allowance 6,707,400 6,367,416 6,317,971
Recorded Investment With Allowance 502,961 408,198 502,961
Total Recorded Investment 7,210,361 6,775,614 6,820,932
Related Allowance 129,461 99,473 129,461
Average Recorded Investment 7,015,647 3,387,807 6,740,539
Interest Recognized 141,479 77,603 125,079
Residential Portfolio Segment [Member]      
Unpaid Contractual Principal Balance 34,954 40,626 39,228
Recorded Investment With No Allowance 34,954 40,626 39,228
Recorded Investment With Allowance 0 0 0
Total Recorded Investment 34,954 40,626 39,228
Related Allowance 0 0 0
Average Recorded Investment 37,091 39,927 41,981
Interest Recognized 1,104 0 1,672
Commercial Portfolio Segment [Member]      
Unpaid Contractual Principal Balance 152,449 154,469 152,449
Recorded Investment With No Allowance 0 0 0
Recorded Investment With Allowance 152,449 0 152,449
Total Recorded Investment 152,449 0 152,449
Related Allowance 152,449 154,469 152,449
Average Recorded Investment 152,449 76,225 76,225
Interest Recognized $ 0 $ 1,271 $ 69,005
XML 46 R37.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans - Loans by Credit Grade (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Loans $ 509,725,741 $ 486,381,167
Excellent [Member]    
Loans 785,172 9,821,535
Above Average [Member]    
Loans 628,751 2,101,931
Average [Member]    
Loans 123,874,521 129,577,624
Acceptable [Member]    
Loans 277,699,831 219,509,802
Pass [Member]    
Loans 94,646,719 104,951,530
Special Mention [Member]    
Loans 166,386 5,288,153
Substandard [Member]    
Loans 11,907,369 15,109,965
Doubtful [Member]    
Loans 16,992 20,627
Commercial Real Estate Portfolio Segment [Member]    
Loans 342,620,080 319,185,116
Commercial Real Estate Portfolio Segment [Member] | Excellent [Member]    
Loans 0 0
Commercial Real Estate Portfolio Segment [Member] | Above Average [Member]    
Loans 18,082 1,225,732
Commercial Real Estate Portfolio Segment [Member] | Average [Member]    
Loans 69,687,996 73,924,748
Commercial Real Estate Portfolio Segment [Member] | Acceptable [Member]    
Loans 186,657,806 146,174,439
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]    
Loans 76,663,355 82,018,890
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]    
Loans 166,386 3,345,788
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]    
Loans 9,426,455 12,495,519
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]    
Loans 0 0
Construction and Land Development [Member]    
Loans 24,416,365 28,221,854
Construction and Land Development [Member] | Excellent [Member]    
Loans 0 0
Construction and Land Development [Member] | Above Average [Member]    
Loans 0 0
Construction and Land Development [Member] | Average [Member]    
Loans 3,664,371 3,853,775
Construction and Land Development [Member] | Acceptable [Member]    
Loans 13,405,947 12,452,257
Construction and Land Development [Member] | Pass [Member]    
Loans 7,346,047 9,973,457
Construction and Land Development [Member] | Special Mention [Member]    
Loans 0 1,942,365
Construction and Land Development [Member] | Substandard [Member]    
Loans 0 0
Construction and Land Development [Member] | Doubtful [Member]    
Loans 0 0
Residential Portfolio Segment [Member]    
Loans 113,435,287 107,436,033
Residential Portfolio Segment [Member] | Excellent [Member]    
Loans 11,139 41,152
Residential Portfolio Segment [Member] | Above Average [Member]    
Loans 592,377 708,162
Residential Portfolio Segment [Member] | Average [Member]    
Loans 41,671,626 46,358,477
Residential Portfolio Segment [Member] | Acceptable [Member]    
Loans 61,873,489 48,295,430
Residential Portfolio Segment [Member] | Pass [Member]    
Loans 6,958,191 9,570,815
Residential Portfolio Segment [Member] | Special Mention [Member]    
Loans 0 0
Residential Portfolio Segment [Member] | Substandard [Member]    
Loans 2,328,465 2,461,997
Residential Portfolio Segment [Member] | Doubtful [Member]    
Loans 0 0
Commercial Portfolio Segment [Member]    
Loans 28,885,402 31,182,206
Commercial Portfolio Segment [Member] | Excellent [Member]    
Loans 772,026 9,774,570
Commercial Portfolio Segment [Member] | Above Average [Member]    
Loans 0 0
Commercial Portfolio Segment [Member] | Average [Member]    
Loans 8,742,069 5,292,721
Commercial Portfolio Segment [Member] | Acceptable [Member]    
Loans 15,547,728 12,585,396
Commercial Portfolio Segment [Member] | Pass [Member]    
Loans 3,671,130 3,377,070
Commercial Portfolio Segment [Member] | Special Mention [Member]    
Loans 0 0
Commercial Portfolio Segment [Member] | Substandard [Member]    
Loans 152,449 152,449
Commercial Portfolio Segment [Member] | Doubtful [Member]    
Loans 0 0
Consumer Portfolio Segment [Member]    
Loans 368,607 355,958
Consumer Portfolio Segment [Member] | Excellent [Member]    
Loans 2,007 5,813
Consumer Portfolio Segment [Member] | Above Average [Member]    
Loans 18,292 168,037
Consumer Portfolio Segment [Member] | Average [Member]    
Loans 108,459 147,903
Consumer Portfolio Segment [Member] | Acceptable [Member]    
Loans 214,861 2,280
Consumer Portfolio Segment [Member] | Pass [Member]    
Loans 7,996 11,298
Consumer Portfolio Segment [Member] | Special Mention [Member]    
Loans 0 0
Consumer Portfolio Segment [Member] | Substandard [Member]    
Loans 0 0
Consumer Portfolio Segment [Member] | Doubtful [Member]    
Loans $ 16,992 $ 20,627
XML 47 R38.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans - Allowance for Loan Losses (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Dec. 31, 2021
Allowance for loan losses $ 3,650,268 $ 3,296,538 $ 3,296,538
Provision for loan losses 95,000 430,000 330,000
Charge offs (10,240) (18,970) (18,970)
Recoveries 12,150 36,650 42,700
Allowance for loan losses 3,747,178 3,744,218 3,650,268
Allowance for loan losses ending balance evaluated for impairment individually 281,910 253,942 281,910
Allowance for loan losses ending balance evaluated for impairment collectively 3,465,268 3,490,276 3,368,358
Outstanding loan balances evaluated for impairment individually 7,397,764 7,070,182 7,012,609
Outstanding loan balances evaluated for impairment purchase credit impaired 505,395,375   482,011,334
Outstanding loan balances evaluated for impairment collectively 501,709,751 491,188,916 478,359,916
Financial Asset Acquired with Credit Deterioration [Member]      
Allowance for loan losses 0    
Allowance for loan losses 0 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 618,226 2,190,414 1,008,642
Commercial Real Estate Portfolio Segment [Member]      
Allowance for loan losses 2,482,930 2,230,129 2,230,129
Provision for loan losses 126,385 348,650 241,301
Charge offs (7,772) 0 0
Recoveries 0 9,500 11,500
Allowance for loan losses 2,601,543 2,588,279 2,482,930
Allowance for loan losses ending balance evaluated for impairment individually 129,461 99,473 129,461
Allowance for loan losses ending balance evaluated for impairment collectively 2,472,082 2,488,806 2,353,469
Outstanding loan balances evaluated for impairment individually 7,210,361 6,875,087 6,820,932
Outstanding loan balances evaluated for impairment collectively 335,409,719 309,189,806 312,307,359
Commercial Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]      
Allowance for loan losses 0    
Allowance for loan losses 0 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 0 87,708 56,825
Construction and Land Development [Member]      
Allowance for loan losses 214,547 201,692 201,692
Provision for loan losses (69,938) 32,105 (3,345)
Charge offs 0 0 0
Recoveries 12,150 12,150 16,200
Allowance for loan losses 156,759 245,947 214,547
Allowance for loan losses ending balance evaluated for impairment individually 0 0 0
Allowance for loan losses ending balance evaluated for impairment collectively 156,759 245,947 214,547
Outstanding loan balances evaluated for impairment individually 0 0 0
Outstanding loan balances evaluated for impairment collectively 24,416,365 27,136,796 27,838,188
Construction and Land Development [Member] | Financial Asset Acquired with Credit Deterioration [Member]      
Allowance for loan losses 0    
Allowance for loan losses 0 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 0 1,531,846 383,666
Residential Portfolio Segment [Member]      
Allowance for loan losses 603,558 644,639 644,639
Provision for loan losses 67,729 (28,549) (22,111)
Charge offs 0 (18,970) (18,970)
Recoveries 0 0 0
Allowance for loan losses 671,287 597,120 603,558
Allowance for loan losses ending balance evaluated for impairment individually 0 0 0
Allowance for loan losses ending balance evaluated for impairment collectively 671,287 597,120 603,558
Outstanding loan balances evaluated for impairment individually 34,954 40,626 39,228
Outstanding loan balances evaluated for impairment collectively 113,024,489 113,982,176 106,828,654
Residential Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]      
Allowance for loan losses 0    
Allowance for loan losses 0 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 375,844 570,860 568,151
Commercial Portfolio Segment [Member]      
Allowance for loan losses 255,413 111,390 111,390
Provision for loan losses 35,949 125,133 129,023
Charge offs (2,468) 0 0
Recoveries 0 15,000 15,000
Allowance for loan losses 288,894 251,523 255,413
Allowance for loan losses ending balance evaluated for impairment individually 152,449 154,469 152,449
Allowance for loan losses ending balance evaluated for impairment collectively 136,445 97,054 102,964
Outstanding loan balances evaluated for impairment individually 152,449 154,469 152,449
Outstanding loan balances evaluated for impairment collectively 28,490,571 40,500,608 31,029,757
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]      
Allowance for loan losses 0    
Allowance for loan losses 0 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 242,382 0 0
Consumer Portfolio Segment [Member]      
Allowance for loan losses 4,370 2,138 2,138
Provision for loan losses (383) 1,863 2,232
Charge offs 0 0 0
Recoveries 0 0 0
Allowance for loan losses 3,987 4,001 4,370
Allowance for loan losses ending balance evaluated for impairment individually 0 0 0
Allowance for loan losses ending balance evaluated for impairment collectively 3,987 4,001 4,370
Outstanding loan balances evaluated for impairment individually 0 0 0
Outstanding loan balances evaluated for impairment collectively 368,607 379,530 355,958
Consumer Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]      
Allowance for loan losses 0    
Allowance for loan losses 0 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 0 0 0
Unallocated Financing Receivables [Member]      
Allowance for loan losses 89,450 106,550 106,550
Provision for loan losses (64,742) (49,202) (17,100)
Charge offs 0 0 0
Recoveries 0 0 0
Allowance for loan losses 24,708 57,348 89,450
Allowance for loan losses ending balance evaluated for impairment individually 0 0 0
Allowance for loan losses ending balance evaluated for impairment collectively 24,708 57,348 89,450
Outstanding loan balances evaluated for impairment individually 0 0 0
Outstanding loan balances evaluated for impairment collectively 0 0 0
Unallocated Financing Receivables [Member] | Financial Asset Acquired with Credit Deterioration [Member]      
Allowance for loan losses 0    
Allowance for loan losses 0 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired $ 0 $ 0 $ 0
XML 48 R39.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 4 - Loans - Activity for Accretable Yield of Purchased Loans (Details)
 9 Months Ended
Sep. 30, 2022
USD ($)
Balance at December 31, 2021 $ 1,629,242
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion 575,746
Balance at September 30, 2022 $ 1,053,496
XML 49 R40.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 5 - Goodwill and Other Intangibles (Details Textual) - Core Deposits [Member]
 21 Months Ended
Sep. 30, 2022
USD ($)
Finite-Lived Intangible Asset, Useful Life (Year) 10 years
Finite-Lived Intangible Asset, Expected Amortization, Year One $ 8,328
Finite-Lived Intangible Asset, Expected Amortization, Year Ten $ 6,246
XML 50 R41.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 5 - Goodwill and Other Intangibles - Changes in Goodwill and Other Intangibles (Details)
 6 Months Ended
Jun. 30, 2022
USD ($)
Balance $ 6,978,208
Balance 7,051,080
Amortization (6,246)
Balance 6,978,208
Balance 7,044,834
Core Deposits [Member]  
Balance, other intangible 72,872
Amortization, other intangible (6,246)
Balance, other intangible $ 66,626
XML 51 R42.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 6 - Lease Commitments (Details Textual) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Operating Lease, Cost $ 47,308 $ 43,178 $ 142,160 $ 144,529
Operating Lease, Weighted Average Remaining Lease Term (Year) 6 years 9 months 18 days   6 years 9 months 18 days  
Operating Lease, Weighted Average Discount Rate, Percent 3.25%   3.25%  
Operating Lease, Payments     $ 137,748 $ 130,506
XML 52 R43.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 6 - Lease Commitments - Operating Lease Assets and Liabilities (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Sep. 30, 2021
Operating lease liabilities $ 1,203,895    
Other Assets [Member]      
Operating lease right of use asset   $ 1,093,382 $ 981,295
Other Liabilities [Member]      
Operating lease liabilities   $ 1,311,570 $ 1,203,895
XML 53 R44.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 6 - Lease Commitments - Operating Lease Liabilities (Details)
Sep. 30, 2022
USD ($)
2022 $ 46,700
2023 190,356
2024 195,946
2025 201,713
2026 207,664
Thereafter 495,063
Total undiscounted cash flow 1,337,442
Discount (133,547)
Lease liabilities $ 1,203,895
XML 54 R45.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 7 - Capital Standards (Details Textual)
Sep. 30, 2022
Dec. 31, 2021
Banking Regulation, Common Equity Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum 0.065 0.0650
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets 0.08 0.0800
Capital Required to be Well Capitalized to Risk Weighted Assets 0.10 0.1000
Tier One Leverage Capital Required to be Well Capitalized to Average Assets 0.05 0.0500
XML 55 R46.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 7 - Capital Standards - Capital Requirements (Details)
$ in Thousands
Sep. 30, 2022
USD ($)
Dec. 31, 2021
USD ($)
Capital $ 73,913 $ 69,957
Capital to Risk Weighted Assets 0.1282 0.1324
Capital Required for Capital Adequacy $ 60,520 $ 55,471
Capital Required for Capital Adequacy to Risk Weighted Assets 0.1050 0.1050
Capital Required to be Well Capitalized $ 57,638 $ 52,830
Capital Required to be Well Capitalized to Risk Weighted Assets 0.10 0.1000
Tier One Risk Based Capital $ 70,166 $ 66,307
Tier One Risk Based Capital to Risk Weighted Assets 0.1217 0.1255
Tier One Risk Based Capital Required for Capital Adequacy $ 48,992 $ 44,905
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets 0.0850 0.0850
Tier One Risk Based Capital Required to be Well Capitalized $ 46,110 $ 42,264
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets 0.08 0.0800
Common Equity Tier One Capital $ 70,166 $ 66,307
Common Equity Tier One Capital Ratio 0.1217 0.1255
Common Equity Tier One Capital Required for Capital Adequacy $ 40,347 $ 36,981
Common Equity Tier One Capital Required for Capital Adequacy Ratio 0.0700 0.0700
Common Equity Tier One Capital Required to be Well-Capitalized $ 37,465 $ 34,339
Common Equity Tier One Capital Required to be Well Capitalized Ratio 0.065 0.0650
Tier One Leverage Capital $ 70,166 $ 66,307
Tier One Leverage Capital to Average Assets 0.0973 0.0927
Tier One Leverage Capital Required for Capital Adequacy $ 28,835 $ 28,614
Tier One Leverage Capital Required for Capital Adequacy to Average Assets 0.0400 0.0400
Tier One Leverage Capital Required to be Well Capitalized $ 36,044 $ 35,767
Tier One Leverage Capital Required to be Well Capitalized to Average Assets 0.05 0.0500
XML 56 R47.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 8 - Fair Value (Details Textual)
 9 Months Ended
Sep. 30, 2022
Other Real Estate Owned [Member]  
Expected Sales Costs to Appraised Value, Percentage 10.00%
Impaired Loans [Member]  
Expected Sales Costs to Appraised Value, Percentage 10.00%
XML 57 R48.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 8 - Fair Value - Summarizes Financial Assets Measured at Fair Value (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Fair value, available for sale $ 128,614,033 $ 149,237,916
Fair Value, Recurring [Member]    
Fair value, available for sale 128,614,033 149,237,916
Mutual fund 486,237 543,605
Fair Value, Nonrecurring [Member]    
Other real estate owned, net 1,242,365 1,242,365
Impaired loans, net 373,500 373,500
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 0 0
Mutual fund 486,237 543,605
Fair Value, Inputs, Level 1 [Member] | Fair Value, Nonrecurring [Member]    
Other real estate owned, net 0 0
Impaired loans, net 0 0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 128,614,033 148,587,916
Mutual fund 0 0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Nonrecurring [Member]    
Other real estate owned, net 0 0
Impaired loans, net 0 0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 0 650,000
Mutual fund 0 0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Nonrecurring [Member]    
Other real estate owned, net 1,242,365 1,242,365
Impaired loans, net 373,500 373,500
US States and Political Subdivisions Debt Securities [Member]    
Fair value, available for sale 547,729 763,498
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 547,729 763,498
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 0 0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 547,729 763,498
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 0 0
SBA Pools [Member]    
Fair value, available for sale 1,106,055 1,397,762
SBA Pools [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 1,106,055 1,397,762
SBA Pools [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 0 0
SBA Pools [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 1,106,055 1,397,762
SBA Pools [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 0 0
Corporate Debt Securities [Member]    
Fair value, available for sale 9,428,552 9,234,207
Corporate Debt Securities [Member] | Fair Value, Nonrecurring [Member]    
Fair value, available for sale 9,428,552 9,234,207
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Nonrecurring [Member]    
Fair value, available for sale 0 0
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Nonrecurring [Member]    
Fair value, available for sale 9,428,552 8,584,207
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Nonrecurring [Member]    
Fair value, available for sale 0 650,000
Collateralized Mortgage-Backed Securities [Member]    
Fair value, available for sale 117,531,697 137,842,449
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 117,531,697 137,842,449
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 0 0
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 117,531,697 137,842,449
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale $ 0 $ 0
XML 58 R49.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 8 - Fair Value - Assets Measured on a Nonrecurring Basis (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2022
Dec. 31, 2021
Other Real Estate Owned [Member]    
Percent, expected sales cost to appraised rate 10.00%  
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair value $ 373,500 $ 373,500
Percent, expected sales cost to appraised rate 10.00% 10.00%
Fair Value, Nonrecurring [Member] | Impaired Commercial Real Estate Loans [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair value $ 373,500 $ 373,500
Percent, expected sales cost to appraised rate 10.00% 10.00%
Fair Value, Nonrecurring [Member] | Impaired Commercial Loans [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair value $ 0 $ 0
Percent, expected sales cost to appraised rate 10.00% 10.00%
Fair Value, Nonrecurring [Member] | Other Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair value $ 1,242,365 $ 1,242,365
Percent, expected sales cost to appraised rate 10.00% 10.00%
XML 59 R50.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 8 - Fair Value - Estimated Fair Value of Financial Instruments (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Fair value, held to maturity $ 18,426,431  
Securities held to maturity 18,426,431  
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]    
Cash and cash equivalents 16,031,744 $ 26,462,106
Noninterest-bearing deposits 131,269,680 124,175,615
Securities sold under repurchase agreements 5,422,642 5,414,026
Reported Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]    
Certificates of deposit in other banks 100,000 350,000
Accrued interest receivable 1,600,382 1,609,063
Fair value, held to maturity 17,507,634 21,851,975
Mortgage loans held for sale 370,000 126,500
Restricted stock, at cost 695,000 675,400
Bank owned life insurance 14,535,898 11,556,163
Securities held to maturity 17,507,634 21,851,975
Interest-bearing deposits 507,700,154 502,239,055
Federal Home Loan Bank advances 5,000,000 5,000,000
Long-term debt 15,566,458 16,978,905
Accrued interest payable 260,266 295,910
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair value, held to maturity 3,029,620 3,073,040
Securities held to maturity 3,029,620 3,073,040
Loans, net 505,395,375 482,011,334
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]    
Cash and cash equivalents 16,031,744 26,462,106
Noninterest-bearing deposits 131,269,680 124,175,615
Securities sold under repurchase agreements 5,422,642 5,414,026
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]    
Certificates of deposit in other banks 100,000 350,000
Accrued interest receivable 1,600,382 1,609,063
Fair value, held to maturity 15,396,811 22,805,601
Mortgage loans held for sale 375,136 128,829
Restricted stock, at cost 695,000 675,400
Bank owned life insurance 14,535,898 11,556,163
Securities held to maturity 15,396,811 22,805,601
Interest-bearing deposits 503,645,154 502,396,172
Federal Home Loan Bank advances 4,596,000 4,967,000
Long-term debt 15,436,251 17,298,111
Accrued interest payable 260,266 295,910
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair value, held to maturity 3,029,620 3,073,040
Securities held to maturity 3,029,620 3,073,040
Loans, net $ 471,500,501 $ 487,012,970
XML 60 R51.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 9 - Earnings Per Share - Basic and Diluted Earnings Per Share (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Net income $ 1,974,310 $ 2,122,547 $ 6,075,845 $ 6,184,341
Weighted average shares outstanding (in shares) 3,053,487 3,023,487 3,043,006 3,015,602
Earnings per share - basic and diluted (in dollars per share) $ 0.65 $ 0.70 $ 2.00 $ 2.05
XML 61 R52.htm IDEA: XBRL DOCUMENT v3.22.2.2
Note 10 - Retirement Plans (Details Textual)
 3 Months Ended 9 Months Ended
Sep. 30, 2022
USD ($)
Sep. 30, 2021
USD ($)
Sep. 30, 2022
USD ($)
Sep. 30, 2021
USD ($)
Defined Contribution Plan, Employer Discretionary Contribution Amount $ 53,057 $ 52,818 $ 192,223 $ 194,566
Number of Employees Covered by Life Insurance Policy 12   12  
Other Postretirement Benefits Cost (Reversal of Cost) $ 1,702 1,661 $ 5,107 4,982
Employee Benefits and Share-Based Compensation $ 418,422 388,879 $ 1,367,829 1,299,900
Supplemental Employee Retirement Plan [Member]        
Number of Employees Participating in Plan 4   4  
Employee Benefits and Share-Based Compensation $ 46,250 $ 42,000 $ 136,250 $ 126,000
Profit Sharing Plan [Member]        
Defined Contribution Plan, Employer Matching Contribution, Percent of Match     4.00%  
Defined Contribution Plan, Employers Matching Contribution, Annual Vesting Percentage     100.00%  
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227010 -26507019 -43490180 7094065 22686309 5588443 26047473 8616 -14278851 1416665 -0 601363 579945 10673096 33874986 -10430362 -1373806 26462106 40975670 16031744 39601864 1675435 2476513 2531122 1065000 -22423388 -1428240 <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><em style="font: inherit;">1.</em></b>          <b>Principles of consolidation</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 36pt;text-indent:15pt;">The consolidated financial statements include the accounts of Farmers and Merchants Bancshares, Inc. and its wholly owned subsidiaries, Farmers and Merchants Bank (the “Bank”), and Series Protected Cell FCB-<em style="font: inherit;">4</em> (the “Insurance Subsidiary”), and <em style="font: inherit;">one</em> subsidiary of the Bank, Reliable Community Financial Services, Inc. (collectively the “Company”, “we”, “us”, or “our”). The Insurance Subsidiary constitutes an investment by Farmers and Merchants Bancshares, Inc. in 100% of a series of membership interests issued by First Community Bankers Insurance Co., LLC, a Tennessee “series” limited liability company and licensed property and casualty insurance company. Intercompany balances and transactions, including the insurance premium paid by the Bank to the Insurance Subsidiary through an intermediary, have been eliminated.</p> 1 <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><em style="font: inherit;">2.</em> </b>         <b>Basis of Presentation</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 36pt;text-indent:15pt;">The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and in accordance with the instructions to Form <em style="font: inherit;">10</em>-Q and Rule <em style="font: inherit;">8</em>-<em style="font: inherit;">03</em> of Regulation S-<em style="font: inherit;">X.</em> Accordingly, they do <em style="font: inherit;">not</em> include all of the disclosures required by accounting principles generally accepted in the United States of America (“GAAP”) for complete financial statements. In the opinion of management, all adjustments necessary for a fair presentation of the results of operations for the interim periods have been made. Such adjustments were normal and recurring in nature. The results of operations for the <em style="font: inherit;">three</em>- and <em style="font: inherit;">nine</em>- month periods ended <em style="font: inherit;"> September 30, 2022 </em>do <em style="font: inherit;">not</em> necessarily reflect the results that <em style="font: inherit;"> may </em>be expected for the fiscal year ending <em style="font: inherit;"> December 31, 2022 </em>or any future interim period. The consolidated financial statements should be read in conjunction with the audited consolidated financial statements and related notes for the year ended <em style="font: inherit;"> December 31, 2021, </em>which are included in Farmers and Merchants Bancshares, Inc.’s Annual Report on Form <em style="font: inherit;">10</em>-K for the year ended <em style="font: inherit;"> December 31, 2021 </em>that was filed with the Securities and Exchange Commission (the “SEC”).</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;text-indent:36pt;"/> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;text-indent:36pt;"><span style="text-decoration: underline; ">Recent Accounting Pronouncements </span></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">In <em style="font: inherit;"> June 2016, </em>FASB issued Accounting Standards Update (“ASU”) <em style="font: inherit;">2016‑13,</em> “Financial Instruments – Credit Losses”. The ASU sets forth a “current expected credit loss” (CECL) model that requires the Company to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions, and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. ASU <em style="font: inherit;">2019</em>-<em style="font: inherit;">10</em> “Financial Instruments – Credit Losses (Topic <em style="font: inherit;">326</em>), Derivatives and hedging (Topic <em style="font: inherit;">815</em>), and Leases (Topic <em style="font: inherit;">842</em>): Effective Dates” extended the implementation date to <em style="font: inherit;"> January 1, 2023 </em>for SEC-registered smaller reporting companies and private companies. The Company is a smaller reporting company. The Company has engaged a <em style="font: inherit;">third</em>-party vendor to assist in the implementation of this ASU. The CECL model is being run parallel with the current calculation of the allowance for loan losses during <em style="font: inherit;">2022.</em> The detailed loan data was successfully uploaded to the new model for both <em style="font: inherit;"> March 31, </em><em style="font: inherit;"> June 30, 2022, </em>and <em style="font: inherit;"> September 30, 2022. </em>Loan categories have been finalized and qualitative factors are being fine-tuned. Model validation is in process. Several members of the Company’s senior management and credit administration teams are participating in the implementation.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"/> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 9pt;text-indent:-9pt;"><b><em style="font: inherit;">2.</em> Basis of Presentation (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">In <em style="font: inherit;"> March 2020, </em>the FASB issued ASU <em style="font: inherit;">2020</em>-<em style="font: inherit;">04,</em> “Reference Rate Reform (Topic <em style="font: inherit;">843</em>)”: Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU Provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effect of) reference rate reform, on financial reporting. The risk of termination of the London Interbank Offered Rate (LIBOR), has caused regulators to undertake reference rate reform initiatives to identify alternative reference rates that are more observable or transaction based that are less susceptible to manipulation. ASU <em style="font: inherit;">2020</em>-<em style="font: inherit;">04</em> is effective between <em style="font: inherit;"> March 12, 2020 </em>and <em style="font: inherit;"> December 31, 2022. </em>The Company has identified its products that utilize LIBOR and has begun efforts to transition to the Secured Overnight Financing Rate in <em style="font: inherit;">2023.</em> Borrowers have been notified of the pending change.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">In <em style="font: inherit;"> March 2022, </em>the FASB issued ASU <em style="font: inherit;">No.</em> <em style="font: inherit;">2022</em>-<em style="font: inherit;">02,</em> “Financial Instruments-Credit Losses (Topic <em style="font: inherit;">326</em>), Troubled Debt Restructurings and Vintage Disclosures.” ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">02</em> addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13</em>) that introduced the CECL model. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The amendments in this ASU should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. For entities that have adopted ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13,</em> ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">02</em> is effective for fiscal years beginning after <em style="font: inherit;"> December 15, 2022, </em>including interim periods within those fiscal years. For entities that have <em style="font: inherit;">not</em> yet adopted ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13,</em> the effective dates for ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">02</em> are the same as the effective dates in ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13.</em> Early adoption is permitted if an entity has adopted ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13.</em> An entity <em style="font: inherit;"> may </em>elect to early adopt the amendments about TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company is currently assessing the impact that ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">02</em> will have on its consolidated financial statements.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The accounting policies adopted by management are consistent with authoritative GAAP and are consistent with those followed by our peers.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"/> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;text-indent:36pt;"><span style="text-decoration: underline; ">Recent Accounting Pronouncements </span></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">In <em style="font: inherit;"> June 2016, </em>FASB issued Accounting Standards Update (“ASU”) <em style="font: inherit;">2016‑13,</em> “Financial Instruments – Credit Losses”. The ASU sets forth a “current expected credit loss” (CECL) model that requires the Company to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions, and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. ASU <em style="font: inherit;">2019</em>-<em style="font: inherit;">10</em> “Financial Instruments – Credit Losses (Topic <em style="font: inherit;">326</em>), Derivatives and hedging (Topic <em style="font: inherit;">815</em>), and Leases (Topic <em style="font: inherit;">842</em>): Effective Dates” extended the implementation date to <em style="font: inherit;"> January 1, 2023 </em>for SEC-registered smaller reporting companies and private companies. The Company is a smaller reporting company. The Company has engaged a <em style="font: inherit;">third</em>-party vendor to assist in the implementation of this ASU. The CECL model is being run parallel with the current calculation of the allowance for loan losses during <em style="font: inherit;">2022.</em> The detailed loan data was successfully uploaded to the new model for both <em style="font: inherit;"> March 31, </em><em style="font: inherit;"> June 30, 2022, </em>and <em style="font: inherit;"> September 30, 2022. </em>Loan categories have been finalized and qualitative factors are being fine-tuned. Model validation is in process. Several members of the Company’s senior management and credit administration teams are participating in the implementation.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"/> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 9pt;text-indent:-9pt;"><b><em style="font: inherit;">2.</em> Basis of Presentation (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">In <em style="font: inherit;"> March 2020, </em>the FASB issued ASU <em style="font: inherit;">2020</em>-<em style="font: inherit;">04,</em> “Reference Rate Reform (Topic <em style="font: inherit;">843</em>)”: Facilitation of the Effects of Reference Rate Reform on Financial Reporting. This ASU Provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effect of) reference rate reform, on financial reporting. The risk of termination of the London Interbank Offered Rate (LIBOR), has caused regulators to undertake reference rate reform initiatives to identify alternative reference rates that are more observable or transaction based that are less susceptible to manipulation. ASU <em style="font: inherit;">2020</em>-<em style="font: inherit;">04</em> is effective between <em style="font: inherit;"> March 12, 2020 </em>and <em style="font: inherit;"> December 31, 2022. </em>The Company has identified its products that utilize LIBOR and has begun efforts to transition to the Secured Overnight Financing Rate in <em style="font: inherit;">2023.</em> Borrowers have been notified of the pending change.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">In <em style="font: inherit;"> March 2022, </em>the FASB issued ASU <em style="font: inherit;">No.</em> <em style="font: inherit;">2022</em>-<em style="font: inherit;">02,</em> “Financial Instruments-Credit Losses (Topic <em style="font: inherit;">326</em>), Troubled Debt Restructurings and Vintage Disclosures.” ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">02</em> addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13</em>) that introduced the CECL model. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require a public business entity to disclose current-period gross write-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. The amendments in this ASU should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. For entities that have adopted ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13,</em> ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">02</em> is effective for fiscal years beginning after <em style="font: inherit;"> December 15, 2022, </em>including interim periods within those fiscal years. For entities that have <em style="font: inherit;">not</em> yet adopted ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13,</em> the effective dates for ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">02</em> are the same as the effective dates in ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13.</em> Early adoption is permitted if an entity has adopted ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13.</em> An entity <em style="font: inherit;"> may </em>elect to early adopt the amendments about TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company is currently assessing the impact that ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">02</em> will have on its consolidated financial statements.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The accounting policies adopted by management are consistent with authoritative GAAP and are consistent with those followed by our peers.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 21pt;text-indent:-21pt;"><b><em style="font: inherit;">3.</em> </b>         <b>Investment Securities</b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 29pt;text-indent:-29pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 36pt;text-indent:15pt;">Investments in debt securities are summarized as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 36pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Amortized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Unrealized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Unrealized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Fair</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 48%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">September 30, 2022</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">cost</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">gains</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">losses</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">value</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;"><b><i>Available for sale</i></b></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">570,310</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">22,581</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">547,729</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,119,622</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,796</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">15,363</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,106,055</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">10,429,690</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,001,138</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">9,428,552</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">140,842,314</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">23,310,769</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,531,697</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">152,961,936</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,948</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">24,349,851</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">128,614,033</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;"><b><i>Held to maturity</i></b></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">20,537,254</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,375</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,112,198</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">18,426,431</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 36pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Amortized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Unrealized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Unrealized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Fair</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">December 31, 2021</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">cost</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">gains</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">losses</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">value</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;"><b><i>Available for sale</i></b></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">753,061</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">10,437</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">763,498</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,418,770</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,656</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">22,664</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,397,762</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">9,225,153</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">64,595</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">55,541</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">9,234,207</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">139,765,445</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">336,084</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,259,080</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">137,842,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">151,162,429</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">412,772</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,337,285</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">149,237,916</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;"><b><i>Held to maturity</i></b></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">21,851,975</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,020,877</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">67,251</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">22,805,601</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b><b> </b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><em style="font: inherit;">3.</em> </b>         <b>Investment Securities (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Contractual maturities, shown below, will differ from actual maturities because borrowers and issuers <em style="font: inherit;"> may </em>have the right to call or prepay obligations with or without call or prepayment penalties.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Available for Sale</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Held to Maturity</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amortized</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amortized</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>September 30, 2022</b></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">cost</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">cost</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Within one year</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">70,310</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">69,699</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">330,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">330,172</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Over one to five years</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,602,980</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,415,812</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">473,510</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">464,965</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Over five to ten years</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,326,710</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,490,770</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">2,246,345</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">2,088,287</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Over ten years</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">17,487,399</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">15,543,007</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">11,000,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">9,976,281</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">20,537,254</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">18,426,431</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Mortgage-backed securities and</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools, due in monthlyinstallments</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">141,961,936</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">118,637,752</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">152,961,936</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">128,614,033</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">20,537,254</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">18,426,431</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 27pt;text-indent:18pt;">Securities with a carrying value of $14,245,224 and $14,307,989 as of <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December 31, 2021, </em>respectively, were pledged as collateral for government deposits and securities sold under repurchase agreements.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 27pt;text-indent:18pt;">During the <em style="font: inherit;">nine</em> months ended <em style="font: inherit;"> September 30, 2022, </em>there were no sales of securities. During the <em style="font: inherit;">nine</em> months ended <em style="font: inherit;"> September 30, 2021, </em>the Company received proceeds of $1,263,845 from the call at a premium of available for sale investment securities. The Company realized a $9,190 gain on the call of the securities.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b><b> </b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 30pt;"><em style="font: inherit;">3.</em>          <b>Investment Securities (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The following table sets forth the Company’s gross unrealized losses on a continuous basis for investments in debt securities, by category and length of time, at <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December 31, 2021.</em></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 22%; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Less than 12 months</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">12 months or more</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of investments</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">State and municipal</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">13,564,241</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,565,843</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,556,463</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">568,936</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,120,704</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">2,134,779</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">SBA pools</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">923,700</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,363</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">923,700</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,363</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">8,039,155</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">875,570</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">989,397</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">125,568</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">9,028,552</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,001,138</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">64,335,274</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">10,303,353</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">53,002,811</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">13,007,416</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,338,085</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">23,310,769</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">85,938,670</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">12,744,766</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">56,472,371</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">13,717,283</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">142,411,041</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">26,462,049</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 22%; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Less than 12 months</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">12 months or more</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of investments</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">State and municipal</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,324,648</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">35,720</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">715,650</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">31,531</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">2,040,298</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">67,251</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">SBA pools</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,133,398</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">22,664</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,133,398</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">22,664</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">5,443,886</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">55,541</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">5,443,886</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">55,541</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,840,965</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,034,858</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">4,781,586</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">224,222</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">122,622,551</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,259,080</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">124,609,499</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,126,119</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,630,634</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">278,417</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">131,240,133</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,404,536</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Held to maturity securities are securities that the Company has both the ability and the intent to hold until they mature, at which time the Company should receive full value for the securities. As of <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December 31, 2021, </em>management did <em style="font: inherit;">not</em> have the intent to sell any of the held to maturity or available for sale securities with unrealized losses before a recovery of cost. The unrealized losses detailed in the table above were due to increases in market interest rates over the yields available at the time the underlying securities were purchased as well as other market conditions for each particular security based upon the structure and remaining principal balance. The fair values of the debt securities are expected to recover as the securities approach their maturity dates or repricing dates or if market yields for such investments decline. Based on the foregoing factors, as of <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December 31, 2021, </em>management believes that these unrealized losses are temporary and, accordingly, they have <em style="font: inherit;">not</em> been recognized in the Company’s consolidated statements of income. At <em style="font: inherit;"> September 30, 2022, </em>179 available for sale securities and 38 held to maturity securities had unrealized losses.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">At <em style="font: inherit;"> September 30, 2022, </em><em style="font: inherit;">none</em> of the available for sale securities or held to maturity securities were other-than-temporarily impaired. In determining whether other-than-temporary impairment exists, management considers many factors, including (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer, and (iii) whether the Bank intends to sell the security, whether it is more likely than <em style="font: inherit;">not</em> that the Bank will be required to sell the security before recovery of its amortized cost basis, and whether the Bank expects to recover the security’s entire amortized cost basis. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.</p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 36pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Amortized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Unrealized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Unrealized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Fair</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 48%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">September 30, 2022</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">cost</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">gains</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">losses</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">value</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;"><b><i>Available for sale</i></b></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">570,310</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">22,581</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">547,729</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,119,622</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,796</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">15,363</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,106,055</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">10,429,690</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,001,138</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">9,428,552</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">140,842,314</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">23,310,769</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,531,697</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">152,961,936</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,948</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">24,349,851</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">128,614,033</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;"><b><i>Held to maturity</i></b></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">20,537,254</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,375</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,112,198</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">18,426,431</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 36pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Amortized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Unrealized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Unrealized</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Fair</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">December 31, 2021</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">cost</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">gains</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">losses</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">value</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;"><b><i>Available for sale</i></b></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">753,061</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">10,437</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">763,498</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,418,770</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,656</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">22,664</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,397,762</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">9,225,153</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">64,595</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">55,541</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">9,234,207</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">139,765,445</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">336,084</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,259,080</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">137,842,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">151,162,429</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">412,772</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,337,285</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">149,237,916</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;"><b><i>Held to maturity</i></b></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i><b> </b></i></td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">21,851,975</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,020,877</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">67,251</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">22,805,601</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 570310 0 22581 547729 1119622 1796 15363 1106055 10429690 0 1001138 9428552 140842314 152 23310769 117531697 152961936 1948 24349851 128614033 20537254 1375 2112198 18426431 753061 10437 0 763498 1418770 1656 22664 1397762 9225153 64595 55541 9234207 139765445 336084 2259080 137842449 151162429 412772 2337285 149237916 21851975 1020877 67251 22805601 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Available for Sale</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Held to Maturity</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amortized</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amortized</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>September 30, 2022</b></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">cost</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">cost</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Within one year</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">70,310</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">69,699</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">330,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">330,172</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Over one to five years</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,602,980</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,415,812</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">473,510</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">464,965</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Over five to ten years</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,326,710</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,490,770</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">2,246,345</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">2,088,287</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Over ten years</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">17,487,399</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">15,543,007</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">11,000,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">9,976,281</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">20,537,254</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">18,426,431</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Mortgage-backed securities and</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools, due in monthlyinstallments</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">141,961,936</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">118,637,752</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">152,961,936</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">128,614,033</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">20,537,254</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">18,426,431</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 70310 69699 330000 330172 3602980 3415812 473510 464965 7326710 6490770 2246345 2088287 0 0 17487399 15543007 11000000 9976281 20537254 18426431 141961936 118637752 0 0 152961936 128614033 20537254 18426431 14245224 14307989 0 1263845 9190 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 22%; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Less than 12 months</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">12 months or more</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of investments</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">State and municipal</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">13,564,241</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,565,843</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,556,463</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">568,936</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,120,704</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">2,134,779</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">SBA pools</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">923,700</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,363</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">923,700</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,363</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">8,039,155</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">875,570</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">989,397</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">125,568</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">9,028,552</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,001,138</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">64,335,274</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">10,303,353</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">53,002,811</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">13,007,416</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,338,085</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">23,310,769</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">85,938,670</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">12,744,766</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">56,472,371</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">13,717,283</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">142,411,041</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">26,462,049</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 22%; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Less than 12 months</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">12 months or more</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of investments</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unrealized</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">loss</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">State and municipal</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,324,648</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">35,720</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">715,650</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">31,531</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">2,040,298</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">67,251</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">SBA pools</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,133,398</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">22,664</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,133,398</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">22,664</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">5,443,886</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">55,541</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">5,443,886</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">55,541</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,840,965</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,034,858</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">4,781,586</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">224,222</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">122,622,551</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,259,080</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">124,609,499</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,126,119</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,630,634</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">278,417</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">131,240,133</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,404,536</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 13564241 1565843 1556463 568936 15120704 2134779 0 0 923700 15363 923700 15363 8039155 875570 989397 125568 9028552 1001138 64335274 10303353 53002811 13007416 117338085 23310769 85938670 12744766 56472371 13717283 142411041 26462049 1324648 35720 715650 31531 2040298 67251 0 0 1133398 22664 1133398 22664 5443886 55541 0 0 5443886 55541 117840965 2034858 4781586 224222 122622551 2259080 124609499 2126119 6630634 278417 131240133 2404536 179 38 <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">4.</em></b>         <b>Loans</b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt; text-align: justify;">Major categories of loans are as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30,</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">December 31,</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 68%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">342,620,080</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">319,185,116</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">28,221,854</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">113,435,287</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">107,436,033</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">28,885,402</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">31,182,206</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">368,607</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">355,958</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">509,725,741</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">486,381,167</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Less: Allowance for loan losses</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,747,178</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,650,268</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;">Deferred origination fees net of costs</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">583,188</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">719,565</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">505,395,375</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">482,011,334</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Commercial loans in the table above include $0.7 million and $9.7 million of Paycheck Protection Program (“PPP”) loans as of <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December 31, 2021, </em>respectively, which are <em style="font: inherit;">100%</em> guaranteed by the Small Business Administration (“SBA”). $60 million were originated during <em style="font: inherit;">2021</em> and <em style="font: inherit;">2020</em> and we collected approximately $2,323,000 in fees from the SBA. The fees, net of related origination costs, are being recognized as interest income over the term of the loans using the straight-line method, with accelerated recognition when the loan pays off before maturity through SBA forgiveness or other means. Income from PPP loans, net of taxes, added approximately $181,000 for the <em style="font: inherit;">nine</em> months ended <em style="font: inherit;"> September 30, 2022 </em>compared to $679,000 for the same period in <em style="font: inherit;">2021.</em></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt; text-align: justify;">Nonaccrual loans, segregated by class of loans, were as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 36pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">September 30,</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">December 31,</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">2022</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">2021</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">502,961</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">4,810,965</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Residential real estate</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">31,500</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">31,500</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">686,910</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">4,994,914</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">At <em style="font: inherit;"> September 30, 2022, </em>the Company had <span style="-sec-ix-hidden:c91322637">one</span> nonaccrual commercial real estate loan totaling $502,961, <span style="-sec-ix-hidden:c91322639">one</span> nonaccrual residential real estate loan totaling $31,500, and <span style="-sec-ix-hidden:c91322641">one</span> nonaccrual commercial loan totaling $152,449. The loans were secured by real estate, business assets, and personal guarantees. Gross interest income of $38,155 would have been recorded for the <em style="font: inherit;">nine</em> months ended <em style="font: inherit;"> September 30, 2022 </em>had these nonaccrual loans been current and performing in accordance with their original terms. The Company allocated $281,910 of its allowance for loan losses to these nonaccrual loans. The recorded investment of the nonaccrual loans was net of charge-offs and a nonaccretable discount totaling $8,176 at <em style="font: inherit;"> September 30, 2022. </em>The decrease in commercial real estate nonaccrual loans from <em style="font: inherit;"> December 31, 2021 </em>to <em style="font: inherit;"> September 30, 2022 </em>was due to a loan with a principal balance of approximately $4.3 million at <em style="font: inherit;"> December 31, 2021 </em>resuming full principal and interest payments in <em style="font: inherit;"> July 2022.</em></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">4.</em></b>         <b>Loans (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">At <em style="font: inherit;"> December 31, 2021, </em>the Company had <span style="-sec-ix-hidden:c91322650">two</span> nonaccrual commercial real estate loan totaling $4,810,965 and <span style="-sec-ix-hidden:c91322652">one</span> nonaccrual residential real estate loan totaling $31,500, and <span style="-sec-ix-hidden:c91322654">one</span> commercial loan totaling $152,449. The real estate loans were secured by real estate and business assets and were personally guaranteed. The commercial loan was secured by business assets and was personally guaranteed. Gross interest income of $219,734 would have been recorded in <em style="font: inherit;">2021</em> if these nonaccrual loans had been current and performing in accordance with their original terms. The Company allocated $281,910 of its allowance for loan losses to these nonaccrual loans. The balance of nonaccrual loans was net of charge-offs and a nonaccretable discount totaling $27,146 at <em style="font: inherit;"> December 31, 2021.</em></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">An age analysis of past due loans, segregated by type of loan, is as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 27pt; margin-right: auto;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">90 Days</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Past Due 90</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">30 - 59 Days</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">60 - 89 Days</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">or More</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Total</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"><em style="font: inherit;"> </em></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Total</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Days or More</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Past Due</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Past Due</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Past Due</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Past Due</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Current</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Loans</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">and Accruing</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">166,386</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">669,347</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">341,950,733</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">342,620,080</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">31,500</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">31,500</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">113,403,787</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">113,435,287</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,732,953</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,885,402</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">368,607</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">368,607</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Total</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">166,386</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">686,910</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">853,296</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">508,872,445</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">509,725,741</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">318,682,155</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">319,185,116</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,221,854</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,221,854</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">249,161</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">249,161</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">107,186,872</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">107,436,033</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">217,661</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">415,690</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">415,690</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">30,766,516</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">31,182,206</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">263,241</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">355,958</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">355,958</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Total</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,167,812</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,167,812</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">485,213,355</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">486,381,167</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">480,902</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">4.</em></b>         <b>Loans (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Impaired loans, segregated by class of loans with average recorded investment and interest recognized for the <em style="font: inherit;">nine</em> months ended <em style="font: inherit;"> September 30, 2022 </em>and the year ended <em style="font: inherit;"> December 31, 2021, </em>are set forth in the following table:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 36pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unpaid</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recorded</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recorded</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Contractual</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Investment</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Investment</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Average</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Principal</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">With No</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">With</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recorded</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Related</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recorded</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Interest</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Balance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Allowance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Allowance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Investment</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Allowance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Investment</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recognized</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,210,361</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,707,400</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,210,361</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">129,461</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,015,647</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">141,479</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">34,954</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">34,954</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">34,954</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">37,091</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,104</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,397,764</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">6,742,354</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">655,410</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,397,764</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">281,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,205,187</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">142,583</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,875,087</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,367,416</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">408,198</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,775,614</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">99,473</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,387,807</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">77,603</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">40,626</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">40,626</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">40,626</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">39,927</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">154,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">154,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">76,225</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">1,271</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,070,182</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,408,042</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">408,198</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,816,240</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">253,942</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,503,959</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">78,874</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,317,971</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">129,461</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,740,539</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">125,079</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">41,981</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,672</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">76,225</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">69,005</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,357,199</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">655,410</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">281,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,858,745</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">195,756</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Impaired loans include TDRs which are loans that have been modified to provide economic concessions to borrowers who have experienced financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Certain TDRs are classified as nonperforming at the time of restructure and <em style="font: inherit;"> may </em>only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally <em style="font: inherit;">six</em> months.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">At <em style="font: inherit;"> September 30, 2022, </em>the Company had <span style="-sec-ix-hidden:c91322664">two</span> commercial real estate loans totaling $6,540,014 and <span style="-sec-ix-hidden:c91322666">one</span> residential real estate loan totaling $34,954 that were classified as TDRs. One of the commercial real estate loans with a principal balance of $4,567,456 was restructured as TDRs during the <em style="font: inherit;"> 9 months ended</em> <em style="font: inherit;"> September 30, 2022. </em>All are included in impaired loans above. At <em style="font: inherit;"> September 30, 2022, </em>all <em style="font: inherit;">three</em> loans were paying as agreed. There have been <span style="-sec-ix-hidden:c91322670">no</span> charge-offs or allowances associated with these loans.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">At <em style="font: inherit;"> December 31, 2021, </em>the Company had <span style="-sec-ix-hidden:c91322671">one</span> commercial real estate loan totaling $2,009,967 and <span style="-sec-ix-hidden:c91322673">one</span> residential real estate loan totaling $39,288 classified as TDRs. Both loans are included in impaired loans above and were paying as agreed. There have been no charge-offs or allowances associated with these loans.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">4.</em></b>         <b>Loans (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">As part of our portfolio risk management, the Company assigns a risk grade to each loan. The factors used to determine the grade are the payment history of the loan and the borrower, the value of the collateral and net worth of the guarantor, and cash flow projections of the borrower. Excellent, Above Average, Average and Acceptable grades are assigned to loans with limited or <em style="font: inherit;">no</em> delinquent payments and more than sufficient collateral and/or cash flow.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">A description of the general characteristics of loans characterized as watch list or classified is as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-18pt;"><b><i>Pass/Watch</i></b></p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Loans graded as Pass/Watch are secured by generally acceptable assets which reflect above-average risk. The loans warrant closer scrutiny by management than is routine, due to circumstances affecting the borrower, the borrower’s industry, or the overall economic environment. Borrowers <em style="font: inherit;"> may </em>reflect weaknesses such as inconsistent or weak earnings, break even or moderately deficit cash flow, thin liquidity, minimal capacity to increase leverage, or volatile market fundamentals or other industry risks. Such loans are typically secured by acceptable collateral, at or near appropriate margins, with realizable liquidation values.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-18pt;"><b><i>Special Mention</i></b></p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">A special mention loan is a loan that management believes has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses <em style="font: inherit;"> may </em>result in deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Special mention loans are <em style="font: inherit;">not</em> adversely classified and do <em style="font: inherit;">not</em> expose the Company to sufficient risk to warrant adverse classification.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Borrowers <em style="font: inherit;"> may </em>exhibit poor liquidity and leverage positions resulting from generally negative cash flow or negative trends in earnings. Access to alternative financing <em style="font: inherit;"> may </em>be limited to finance companies for business borrowers and <em style="font: inherit;"> may </em>be unavailable for commercial real estate borrowers.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-18pt;"><b><i>Substandard</i></b></p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">A substandard loan is a loan that management believes is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Such loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are <em style="font: inherit;">not</em> corrected.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Borrowers <em style="font: inherit;"> may </em>exhibit recent or unexpected unprofitable operations, an inadequate debt service coverage ratio, or marginal liquidity and capitalization. Substandard loans require more intense supervision by Company management.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-18pt;"><b><i>Doubtful</i></b></p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">A doubtful loan is a loan that management believes has all of the weaknesses inherent in a substandard loan with the added characteristic that the weaknesses, based on currently existing facts, conditions, and values, make collection or liquidation in full highly questionable and improbable.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt 0pt 0pt 27pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">4.</em></b>         <b>Loans (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Loans by credit grade, segregated by loan type, are as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 0pt; width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Above</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Pass</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Special</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Excellent</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">average</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Average</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Acceptable</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">watch</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">mention</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Substandard</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Doubtful</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Total</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="width: 19%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">18,082</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">69,687,996</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">186,657,806</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">76,663,355</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">166,386</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">9,426,455</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">342,620,080</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">3,664,371</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">13,405,947</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">7,346,047</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">11,139</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">592,377</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">41,671,626</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">61,873,489</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">6,958,191</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,328,465</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">113,435,287</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">772,026</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">8,742,069</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">15,547,728</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">3,671,130</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,885,402</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,007</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">18,292</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">108,459</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">214,861</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,996</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">16,992</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">368,607</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">785,172</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">628,751</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">123,874,521</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">277,699,831</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">94,646,719</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">166,386</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">11,907,369</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">16,992</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">509,725,741</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 0pt; width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Above</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Pass</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Special</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Excellent</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">average</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Average</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Acceptable</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">watch</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">mention</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Substandard</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Doubtful</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Total</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,225,732</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">73,924,748</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">146,174,439</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">82,018,890</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">3,345,788</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12,495,519</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">319,185,116</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">3,853,775</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12,452,257</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9,973,457</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,942,365</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">28,221,854</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">41,152</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">708,162</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">46,358,477</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">48,295,430</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9,570,815</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">2,461,997</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">107,436,033</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9,774,570</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5,292,721</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12,585,396</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">3,377,070</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">31,182,206</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">5,813</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">168,037</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">147,903</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">2,280</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">11,298</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">20,627</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">355,958</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">9,821,535</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">2,101,931</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">129,577,624</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">219,509,802</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">104,951,530</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">5,288,153</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">15,109,965</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">20,627</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">486,381,167</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-align: justify; text-indent: 15pt;">The principal balances of loans in the Pass/Watch category as of <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December 31, 2021 </em>include loans that were granted payment deferrals due to COVID-<em style="font: inherit;">19.</em> The loans were downgraded to the Pass/Watch category if they were in a higher rated category at the time the deferral was granted. Loans that completed their deferral and are making scheduled payments again are being re-evaluated on a loan-by-loan basis to determine if they warrant upgrading.</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The Company’s allowance for loan losses is based on management’s evaluation of the risks inherent in the Company’s loan portfolio and the general economy. The allowance for loan<b> </b>losses is maintained at the amount management considers adequate to cover estimated losses in loans receivable that are deemed probable based on information currently known to management. The allowance is based upon a number of factors, including current economic conditions, actual loss experience by pools of similar loans, diversification and size of the portfolio, adequacy of the collateral, the amount of non-performing loans and industry trends. In addition, various regulatory agencies, as an integral part of their examination processes, periodically review the Company’s allowance for loan losses. Such agencies <em style="font: inherit;"> may </em>require the Company to make additional provisions for estimated loan losses based upon judgments different from those of management.</p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">4.</em></b>         <b>Loans (Continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The following table details activity in the allowance for loan losses and loan balances by portfolio as of and for the <em style="font: inherit;">nine</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021</em> and for the year ended <em style="font: inherit;"> December 31, 2021. </em>Allocation of a portion of the allowance to <em style="font: inherit;">one</em> category of loans does <em style="font: inherit;">not</em> preclude its availability to absorb losses in other categories.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 9pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 9pt; margin-left: 0pt; width: 0%; padding: 0px;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Provision for</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">balance evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Beginning</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">(recovery of)</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Charge</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"><em style="font: inherit;"> </em></td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ending</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt; width: 12%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">loan losses</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">offs</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Recoveries</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">2,482,930</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">126,385</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">(7,772</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">2,601,543</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">129,461</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">2,472,082</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">7,210,361</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">335,409,719</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">214,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">(69,938</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">12,150</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">156,759</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">156,759</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">603,558</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">67,729</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">671,287</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">671,287</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">34,954</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">375,844</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">113,024,489</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">255,413</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">35,949</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">(2,468</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">288,894</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">136,445</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">242,382</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">28,490,571</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">4,370</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">(383</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">3,987</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">3,987</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">368,607</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">89,450</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(64,742</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 1px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">24,708</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">24,708</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double black;">3,650,268</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">95,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">(10,240</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">12,150</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,747,178</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">281,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,465,268</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,397,764</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">618,226</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">501,709,751</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="margin: 0pt; font-size: 9pt; font-family: &quot;Times New Roman&quot;;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 9pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 9pt; margin-left: 0pt; width: 0%; padding: 0px;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Provision for</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">balance evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Beginning</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">(recovery of)</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Charge</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"><em style="font: inherit;"> </em></td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ending</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt; width: 12%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">September 30, 2021</p> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">loan losses</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">offs</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Recoveries</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,230,129</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">348,650</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">9,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,588,279</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">99,473</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,488,806</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">6,875,087</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">87,708</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">309,189,806</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">201,692</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">32,105</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">12,150</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">245,947</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">245,947</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">1,531,846</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">27,136,796</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">644,639</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(28,549</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(18,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">597,120</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">597,120</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">40,626</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">570,860</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">113,982,176</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">111,390</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">125,133</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">15,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">251,523</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">154,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">97,054</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">154,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">40,500,608</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,138</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">1,863</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">4,001</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">4,001</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">379,530</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">106,550</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(49,202</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 1px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">57,348</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">57,348</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">3,296,538</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">430,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">(18,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">36,650</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,744,218</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">253,942</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,490,276</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">7,070,182</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">2,190,414</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">491,188,916</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="margin: 0pt; font-size: 9pt; font-family: &quot;Times New Roman&quot;;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 9pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 9pt; margin-left: 0pt; width: 0%; padding: 0px;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Provision for</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">balance evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Beginning</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">(recovery of)</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Charge</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"><em style="font: inherit;"> </em></td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ending</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt; width: 12%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">loan losses</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">offs</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Recoveries</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,230,129</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">241,301</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">11,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,482,930</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">129,461</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,353,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">6,820,932</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">56,825</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">312,307,359</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">201,692</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(3,345</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">16,200</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">214,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">214,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">383,666</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">27,838,188</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Residential</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">644,639</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(22,111</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(18,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">603,558</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">603,558</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">39,228</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">568,151</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">106,828,654</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">111,390</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">129,023</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">15,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">255,413</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">102,964</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">31,029,757</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,138</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,232</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">4,370</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">4,370</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">355,958</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">106,550</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(17,100</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 1px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">89,450</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">89,450</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">3,296,538</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">330,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">(18,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">42,700</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,650,268</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">281,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,368,358</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,008,642</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">478,359,916</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">4.</em></b>         <b>Loans (Continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The following table provides activity for the accretable credit discount of purchased loans:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 20%; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px; margin-left: 54pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 81%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2021</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 16%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,629,242</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Accretion</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 16%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">575,746</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at September 30, 2022</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,053,496</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">At <em style="font: inherit;"> September 30, 2022, </em>the nonaccretable discount on purchased impaired loans was $241,587, a decrease of $225,000 from <em style="font: inherit;"> December 31, 2021 </em>as a result of <em style="font: inherit;">one</em> of the loans paying off in full. At <em style="font: inherit;"> September 30, 2022, </em>the accretable discount on purchased impaired loans was $0 after the accretion of $140,608. At <em style="font: inherit;"> September 30, 2022, </em>the remaining yield premium on purchased loans was $994,406. At <em style="font: inherit;"> September 30, 2022, </em>the principal balance of purchased loans was $88,567,633 and the carrying value was $88,266,956. At <em style="font: inherit;"> September 30, 2022, </em>there were no residential real estate loans in the process of foreclosure.</p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30,</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">December 31,</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 68%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">342,620,080</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">319,185,116</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">28,221,854</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">113,435,287</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">107,436,033</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">28,885,402</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">31,182,206</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">368,607</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">355,958</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">509,725,741</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">486,381,167</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Less: Allowance for loan losses</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,747,178</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,650,268</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;">Deferred origination fees net of costs</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">583,188</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">719,565</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">505,395,375</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">482,011,334</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 342620080 319185116 24416365 28221854 113435287 107436033 28885402 31182206 368607 355958 509725741 486381167 3747178 3650268 583188 719565 505395375 482011334 700000 9700000 60000000 2323000 181000 679000 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 36pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">September 30,</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">December 31,</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">2022</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">2021</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">502,961</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">4,810,965</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Residential real estate</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">31,500</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">31,500</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">686,910</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">4,994,914</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 502961 4810965 31500 31500 152449 152449 686910 4994914 502961 31500 152449 38155 281910 8176 4300000 4810965 31500 152449 219734 281910 27146 <table cellpadding="0" cellspacing="0" class="finTable" style="width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 27pt; margin-right: auto;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">90 Days</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Past Due 90</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">30 - 59 Days</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">60 - 89 Days</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">or More</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Total</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"><em style="font: inherit;"> </em></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Total</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Days or More</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Past Due</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Past Due</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Past Due</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Past Due</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Current</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Loans</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">and Accruing</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">166,386</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">669,347</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">341,950,733</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">342,620,080</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">31,500</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">31,500</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">113,403,787</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">113,435,287</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,732,953</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,885,402</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">368,607</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">368,607</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Total</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">166,386</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">686,910</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">853,296</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">508,872,445</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">509,725,741</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 9%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">318,682,155</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">319,185,116</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,221,854</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,221,854</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">249,161</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">249,161</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">107,186,872</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">107,436,033</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">217,661</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">415,690</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">415,690</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">30,766,516</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">31,182,206</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">263,241</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">355,958</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">355,958</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Total</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,167,812</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,167,812</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">485,213,355</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">486,381,167</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">480,902</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 0 166386 502961 669347 341950733 342620080 0 0 0 0 0 24416365 24416365 0 0 0 31500 31500 113403787 113435287 0 0 0 152449 152449 28732953 28885402 0 0 0 0 0 368607 368607 0 0 166386 686910 853296 508872445 509725741 0 0 0 502961 502961 318682155 319185116 0 0 0 0 0 28221854 28221854 0 0 0 249161 249161 107186872 107436033 217661 0 0 415690 415690 30766516 31182206 263241 0 0 0 0 355958 355958 0 0 0 1167812 1167812 485213355 486381167 480902 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 36pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Unpaid</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recorded</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recorded</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Contractual</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Investment</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Investment</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Average</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Principal</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">With No</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">With</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recorded</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Related</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recorded</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Interest</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Balance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Allowance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Allowance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Investment</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Allowance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Investment</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Recognized</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,210,361</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,707,400</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,210,361</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">129,461</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,015,647</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">141,479</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">34,954</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">34,954</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">34,954</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">37,091</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,104</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,397,764</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">6,742,354</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">655,410</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,397,764</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">281,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,205,187</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">142,583</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,875,087</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,367,416</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">408,198</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,775,614</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">99,473</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,387,807</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">77,603</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">40,626</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">40,626</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">40,626</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">39,927</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">154,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">154,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">76,225</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">1,271</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,070,182</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,408,042</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">408,198</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,816,240</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">253,942</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,503,959</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">78,874</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,317,971</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">129,461</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,740,539</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">125,079</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">41,981</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,672</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">76,225</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">69,005</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,357,199</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">655,410</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">281,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,858,745</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 8%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">195,756</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 7210361 6707400 502961 7210361 129461 7015647 141479 34954 34954 0 34954 0 37091 1104 152449 0 152449 152449 152449 152449 0 7397764 6742354 655410 7397764 281910 7205187 142583 6875087 6367416 408198 6775614 99473 3387807 77603 40626 40626 0 40626 0 39927 0 154469 0 0 0 154469 76225 1271 7070182 6408042 408198 6816240 253942 3503959 78874 6820932 6317971 502961 6820932 129461 6740539 125079 39228 39228 0 39228 0 41981 1672 152449 0 152449 152449 152449 76225 69005 7012609 6357199 655410 7012609 281910 6858745 195756 6540014 34954 4567456 2009967 39288 0 <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 0pt; width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Above</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Pass</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Special</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Excellent</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">average</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Average</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Acceptable</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">watch</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">mention</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Substandard</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Doubtful</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Total</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="width: 19%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">18,082</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">69,687,996</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">186,657,806</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">76,663,355</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">166,386</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">9,426,455</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">342,620,080</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">3,664,371</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">13,405,947</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">7,346,047</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">11,139</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">592,377</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">41,671,626</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">61,873,489</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">6,958,191</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,328,465</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">113,435,287</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">772,026</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">8,742,069</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">15,547,728</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">3,671,130</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,885,402</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,007</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">18,292</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">108,459</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">214,861</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,996</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">16,992</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">368,607</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">785,172</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">628,751</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">123,874,521</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">277,699,831</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">94,646,719</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">166,386</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">11,907,369</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">16,992</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">509,725,741</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 0pt; width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Above</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Pass</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Special</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Excellent</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">average</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Average</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Acceptable</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">watch</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">mention</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Substandard</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Doubtful</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Total</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 7%;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,225,732</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">73,924,748</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">146,174,439</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">82,018,890</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">3,345,788</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12,495,519</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">319,185,116</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">3,853,775</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12,452,257</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9,973,457</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,942,365</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">28,221,854</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">41,152</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">708,162</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">46,358,477</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">48,295,430</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9,570,815</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">2,461,997</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">107,436,033</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9,774,570</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5,292,721</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12,585,396</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">3,377,070</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">152,449</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">31,182,206</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">5,813</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">168,037</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">147,903</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">2,280</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">11,298</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">20,627</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">355,958</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 19%;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">9,821,535</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">2,101,931</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">129,577,624</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">219,509,802</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">104,951,530</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">5,288,153</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">15,109,965</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">20,627</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">486,381,167</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 0 18082 69687996 186657806 76663355 166386 9426455 0 342620080 0 0 3664371 13405947 7346047 0 0 0 24416365 11139 592377 41671626 61873489 6958191 0 2328465 0 113435287 772026 0 8742069 15547728 3671130 0 152449 0 28885402 2007 18292 108459 214861 7996 0 0 16992 368607 785172 628751 123874521 277699831 94646719 166386 11907369 16992 509725741 0 1225732 73924748 146174439 82018890 3345788 12495519 0 319185116 0 0 3853775 12452257 9973457 1942365 0 0 28221854 41152 708162 46358477 48295430 9570815 0 2461997 0 107436033 9774570 0 5292721 12585396 3377070 0 152449 0 31182206 5813 168037 147903 2280 11298 0 0 20627 355958 9821535 2101931 129577624 219509802 104951530 5288153 15109965 20627 486381167 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 9pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 9pt; margin-left: 0pt; width: 0%; padding: 0px;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Provision for</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">balance evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Beginning</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">(recovery of)</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Charge</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"><em style="font: inherit;"> </em></td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ending</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt; width: 12%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">September 30, 2022</p> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">loan losses</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">offs</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Recoveries</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">2,482,930</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">126,385</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">(7,772</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">2,601,543</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">129,461</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">2,472,082</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">7,210,361</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">335,409,719</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">214,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">(69,938</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">12,150</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">156,759</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">156,759</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">24,416,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">603,558</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">67,729</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">671,287</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">671,287</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">34,954</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">375,844</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">113,024,489</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">255,413</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">35,949</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">(2,468</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">288,894</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">136,445</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">242,382</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">28,490,571</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">4,370</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">(383</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">3,987</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">3,987</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right;">368,607</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">89,450</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(64,742</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 1px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">24,708</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">24,708</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double black;">3,650,268</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">95,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">(10,240</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">12,150</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,747,178</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">281,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,465,268</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,397,764</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">618,226</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">501,709,751</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 9pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 9pt; margin-left: 0pt; width: 0%; padding: 0px;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Provision for</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">balance evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Beginning</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">(recovery of)</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Charge</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"><em style="font: inherit;"> </em></td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ending</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt; width: 12%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">September 30, 2021</p> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">loan losses</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">offs</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Recoveries</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,230,129</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">348,650</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">9,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,588,279</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">99,473</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,488,806</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">6,875,087</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">87,708</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">309,189,806</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">201,692</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">32,105</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">12,150</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">245,947</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">245,947</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">1,531,846</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">27,136,796</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">644,639</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(28,549</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(18,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">597,120</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">597,120</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">40,626</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">570,860</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">113,982,176</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">111,390</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">125,133</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">15,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">251,523</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">154,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">97,054</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">154,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">40,500,608</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,138</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">1,863</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">4,001</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">4,001</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">379,530</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">106,550</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(49,202</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 1px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">57,348</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">57,348</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">3,296,538</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">430,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">(18,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">36,650</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,744,218</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">253,942</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,490,276</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">7,070,182</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">2,190,414</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">491,188,916</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 9pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 9pt; margin-left: 0pt; width: 0%; padding: 0px;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Provision for</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">balance evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid black;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">evaluated for impairment:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Beginning</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">(recovery of)</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Charge</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="text-align: center; font-family: Times New Roman; font-size: 9pt;"><em style="font: inherit;"> </em></td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ending</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td colspan="10" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;"><em style="font: inherit;">Purchase Credit</em></em></em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt; width: 12%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">December 31, 2021</p> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">loan losses</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">offs</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Recoveries</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: Times New Roman; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td> <td style="font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-size: 9pt;"> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> <td style="font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,230,129</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">241,301</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">11,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,482,930</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">129,461</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,353,469</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">6,820,932</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">56,825</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">312,307,359</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">201,692</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(3,345</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">16,200</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">214,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">214,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">383,666</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">27,838,188</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Residential</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">644,639</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(22,111</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">(18,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">603,558</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">603,558</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">39,228</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">568,151</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">106,828,654</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">111,390</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">129,023</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">15,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">255,413</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">102,964</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">152,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">31,029,757</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Consumer</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,138</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">2,232</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">4,370</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">4,370</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;">355,958</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 9pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">106,550</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(17,100</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 1px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">89,450</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">89,450</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 9pt;"> <td style="font-family: Times New Roman; font-size: 9pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double black;">3,296,538</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">330,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">(18,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">42,700</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,650,268</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">281,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,368,358</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,008,642</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 6%; text-align: right; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">478,359,916</td> <td style="width: 1%; font-family: Times New Roman; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 2482930 126385 7772 0 2601543 129461 0 2472082 7210361 0 335409719 214547 -69938 -0 12150 156759 0 0 156759 0 0 24416365 603558 67729 -0 0 671287 0 0 671287 34954 375844 113024489 255413 35949 2468 0 288894 152449 0 136445 152449 242382 28490571 4370 -383 -0 0 3987 0 0 3987 0 0 368607 89450 -64742 -0 0 24708 0 0 24708 0 0 0 3650268 95000 10240 12150 3747178 281910 0 3465268 7397764 618226 501709751 2230129 348650 -0 9500 2588279 99473 0 2488806 6875087 87708 309189806 201692 32105 -0 12150 245947 0 0 245947 0 1531846 27136796 644639 -28549 18970 0 597120 0 0 597120 40626 570860 113982176 111390 125133 -0 15000 251523 154469 0 97054 154469 0 40500608 2138 1863 -0 0 4001 0 0 4001 0 0 379530 106550 -49202 -0 0 57348 0 0 57348 0 0 0 3296538 430000 18970 36650 3744218 253942 0 3490276 7070182 2190414 491188916 2230129 241301 -0 11500 2482930 129461 0 2353469 6820932 56825 312307359 201692 -3345 -0 16200 214547 0 0 214547 0 383666 27838188 644639 -22111 18970 0 603558 0 0 603558 39228 568151 106828654 111390 129023 -0 15000 255413 152449 0 102964 152449 0 31029757 2138 2232 -0 0 4370 0 0 4370 0 0 355958 106550 -17100 -0 0 89450 0 0 89450 0 0 0 3296538 330000 18970 42700 3650268 281910 0 3368358 7012609 1008642 478359916 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 20%; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px; margin-left: 54pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 81%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2021</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 16%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,629,242</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Accretion</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 16%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">575,746</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at September 30, 2022</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,053,496</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 1629242 575746 1053496 241587 225000 0 140608 994406 88567633 88266956 0 <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">5.</em></b>         <b>Goodwill and Other Intangibles</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt; text-align: justify;">The acquisition of Carroll Bancorp, Inc. in <em style="font: inherit;"> October </em>of <em style="font: inherit;">2020</em> resulted in the recording of goodwill and core deposit intangible (“CDI”). The following table presents the changes in both assets:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px; margin-left: 36pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Goodwill</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">CDI</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 52%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2021</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,978,208</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">72,872</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,051,080</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Amortization</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><em style="font: inherit;">-</em></td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">(6,246</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">(6,246</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;">)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at September 30, 2022</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,978,208</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">66,626</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,044,834</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt; text-align: justify;">The CDI is being amortized over 10 years on a straight-line basis. Annual amortization will be $8,328 for each of the years ended <em style="font: inherit;"> December 31, 2022 </em>through <em style="font: inherit;">2029</em> and $6,246 in <em style="font: inherit;">2030.</em> Since the merger was a tax-free reorganization, goodwill and CDI are <em style="font: inherit;">not</em> deductible for income tax purposes.</p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px; margin-left: 36pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Goodwill</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">CDI</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 52%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2021</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">6,978,208</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">72,872</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">7,051,080</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Amortization</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><em style="font: inherit;">-</em></td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">(6,246</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">)</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">(6,246</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;">)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at September 30, 2022</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,978,208</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">66,626</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,044,834</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 6978208 72872 7051080 6246 6246 6978208 66626 7044834 P10Y 8328 6246 <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><em style="font: inherit;">6.</em>         <b>Lease Commitments</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The Company and its subsidiaries are obligated under operating leases for certain office premises.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The following table shows operating lease right of use assets and operating lease liabilities as of <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December 31, 2021:</em></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px; margin-left: 36pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 49%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Consolidated Balance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 15%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 15%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 49%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black; width: 15%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Sheet classification</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30, 2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%; border-bottom: 1px solid black;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">December 31, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 49%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Operating lease right of use asset</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Other assets</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 15%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">981,295</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 15%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,093,382</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 49%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Operating lease liabilities</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Other liabilities</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 15%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,203,895</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 15%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,311,570</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Operating lease cost included in occupancy expense in the statement of income for the <em style="font: inherit;">three</em> months ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021</em> was $47,308 and $43,178, respectively. Operating lease cost included in occupancy expense in the statement of income for the <em style="font: inherit;">nine</em> months ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021</em> was $142,160 and $144,529, respectively.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><em style="font: inherit;">6.</em>         <b>Lease Commitments (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">A maturity analysis of operating lease liabilities, including those option years for which the Company is reasonably certain to renew, and reconciliation of the undiscounted cash flows to the total operating lease liabilities are as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 10%; width: 80%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">Year</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 57%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amount</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="width: 20%;"> </td> <td style="width: 57%;"> </td> <td style="width: 1%;"> </td> <td style="width: 1%;"> </td> <td style="width: 20%;"> </td> <td style="width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2022</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">46,700</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2023</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">190,356</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2024</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">195,946</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2025</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">201,713</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2026</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">207,664</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Thereafter</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">495,063</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 20%; padding: 0px;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total undiscounted cash flow</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,337,442</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Discount</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(133,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;">)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Lease liabilities</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,203,895</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">For operating leases as of <em style="font: inherit;"> September 30, 2022, </em>the weighted average remaining lease term is 6.8 years and the weighted average discount rate is 3.25%. During the <em style="font: inherit;">nine</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021,</em> cash paid for amounts included in the measurement of lease liabilities was $137,748 and $130,506, respectively.</p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px; margin-left: 36pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 49%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Consolidated Balance</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 15%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 15%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 49%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black; width: 15%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Sheet classification</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30, 2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%; border-bottom: 1px solid black;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">December 31, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 49%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Operating lease right of use asset</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Other assets</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 15%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">981,295</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 15%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,093,382</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 49%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Operating lease liabilities</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Other liabilities</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 15%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,203,895</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 15%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,311,570</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> </tbody> </table> 981295 1093382 1203895 1311570 47308 43178 142160 144529 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 10%; width: 80%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">Year</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 57%;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; width: 1%;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amount</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="width: 20%;"> </td> <td style="width: 57%;"> </td> <td style="width: 1%;"> </td> <td style="width: 1%;"> </td> <td style="width: 20%;"> </td> <td style="width: 1%;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2022</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">46,700</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2023</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">190,356</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2024</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">195,946</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2025</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">201,713</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2026</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">207,664</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Thereafter</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">495,063</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 20%; padding: 0px;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total undiscounted cash flow</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,337,442</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Discount</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(133,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;">)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Lease liabilities</p> </td> <td style="width: 57%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 20%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,203,895</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 46700 190356 195946 201713 207664 495063 1337442 133547 1203895 P6Y9M18D 0.0325 137748 130506 <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><em style="font: inherit;">7.</em>         <b>Capital Standards</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Farmers and Merchants Bancshares, Inc. and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possible additional, discretionary actions by the regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, we must meet specific capital guidelines that involve quantitative measures of our assets, liabilities, and certain off‑balance sheet items as calculated under regulatory accounting practices. Our capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios (set forth in the table below) of Common Equity Tier <em style="font: inherit;">1</em> capital, Tier <em style="font: inherit;">1</em> capital, and Total capital (as defined in the regulations) to risk‑weighted assets (as defined), and of Tier <em style="font: inherit;">1</em> capital to adjusted quarterly average assets (as defined).</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">In connection with the adoption of the Basel III Capital Rules, the Bank elected to opt-out of the requirement to include accumulated other comprehensive income in Common Equity Tier <em style="font: inherit;">1</em> capital. Common Equity Tier <em style="font: inherit;">1</em> capital for the Bank is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities and subject to transition provisions.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">Insured depository institutions are required to meet the following in order to qualify as “well capitalized”: (i) a common equity Tier <em style="font: inherit;">1</em> risk-based capital ratio of <span style="-sec-ix-hidden:c91323406">6.5%;</span> (ii) a Tier <em style="font: inherit;">1</em> risk-based capital ratio of <span style="-sec-ix-hidden:c91323408">8%;</span> (iii) a total risk-based capital ratio of <span style="-sec-ix-hidden:c91323409">10%;</span> and (iv) a Tier <em style="font: inherit;">1</em> leverage ratio of <span style="-sec-ix-hidden:c91323411">5%.</span></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b><b/></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><em style="font: inherit;">7.</em>         <b>Capital Standards (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The implementation of the capital conservation buffer began on <em style="font: inherit;"> January </em><em style="font: inherit;">1,</em> <em style="font: inherit;">2016</em> at the <em style="font: inherit;">0.625%</em> level and was phased in over a <em style="font: inherit;">four</em>-year period (increasing by that amount on each subsequent <em style="font: inherit;"> January </em><em style="font: inherit;">1,</em> until it reached <em style="font: inherit;">2.5%</em> on <em style="font: inherit;"> January </em><em style="font: inherit;">1,</em> <em style="font: inherit;">2019</em>). The Basel III Capital Rules also provide for a “countercyclical capital buffer” that is applicable to only certain covered institutions and does <em style="font: inherit;">not</em> have current applicability to the Bank. As of <em style="font: inherit;"> September 30, 2022, </em>the Bank met all capital adequacy requirements under the Basel III Capital Rules on a fully phased‑in basis.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The aforementioned capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a ratio of Common Equity Tier <em style="font: inherit;">1</em> capital to risk-weighted assets above the minimum but below the conservation buffer (or below the combined capital conservation buffer and countercyclical capital buffer, when the latter is applied) will face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The following table presents actual and required capital ratios as of <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December </em><em style="font: inherit;">31,</em> <em style="font: inherit;">2021</em> for the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December </em><em style="font: inherit;">31,</em> <em style="font: inherit;">2021</em> based on the phase-in provisions of the Basel III Capital Rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules. Capital ratios of the Company are substantially the same as the Bank’s.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 27pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Minimum</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">To Be Well</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">(Dollars in thousands)</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Actual</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Capital Adequacy</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Capitalized</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">September 30, 2022</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Total capital (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">73,913</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.82</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">60,520</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">10.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">57,638</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">10.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Tier 1 capital (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">70,166</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.17</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">48,992</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">8.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">46,110</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">8.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Common equity tier 1 (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">70,166</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.17</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">40,347</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">7.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">37,465</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">6.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Tier 1 leverage (to average assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">70,166</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9.73</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,835</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">4.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">36,044</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> </tbody> </table> <p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 27pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;"> </em></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;"> </em></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Minimum</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">To Be Well</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">(Dollars in thousands)</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Actual</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Capital Adequacy</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Capitalized</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">December 31, 2021</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Total capital (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">69,957</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">13.24</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">55,471</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">10.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">52,830</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">10.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Tier 1 capital (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">66,307</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.55</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">44,905</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">8.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">42,264</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">8.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Common equity tier 1 (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">66,307</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.55</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">36,981</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">7.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">34,339</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">6.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Tier 1 leverage (to average assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">66,307</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9.27</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,614</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">4.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">35,767</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">To be categorized as well capitalized, the Bank must maintain ratios as set forth in the table. As of <em style="font: inherit;"> September 30, 2022, </em>the most recent notification from the Federal Deposit Insurance Corporation (the “FDIC”) categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There have been <em style="font: inherit;">no</em> conditions or events since that notification that management believes have changed the Bank’s category.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt; text-align: justify;">The FDIC, through formal or informal agreement, has the authority to require an institution to maintain higher capital ratios than those provided by statute, to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 27pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Minimum</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">To Be Well</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">(Dollars in thousands)</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Actual</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Capital Adequacy</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Capitalized</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">September 30, 2022</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Total capital (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">73,913</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.82</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">60,520</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">10.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">57,638</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">10.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Tier 1 capital (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">70,166</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.17</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">48,992</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">8.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">46,110</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">8.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Common equity tier 1 (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">70,166</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.17</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">40,347</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">7.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">37,465</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">6.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Tier 1 leverage (to average assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">70,166</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9.73</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,835</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">4.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">36,044</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> </tbody> </table> <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 27pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;"> </em></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;"> </em></td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Minimum</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">To Be Well</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">(Dollars in thousands)</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Actual</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Capital Adequacy</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Capitalized</em></em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">December 31, 2021</p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Amount</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ratio</em></p> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Total capital (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">69,957</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">13.24</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">55,471</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">10.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">52,830</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">10.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Tier 1 capital (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">66,307</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.55</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">44,905</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">8.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">42,264</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">8.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(204, 238, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Common equity tier 1 (to risk-weighted assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">66,307</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">12.55</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">36,981</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">7.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">34,339</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">6.50</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; background-color: rgb(255, 255, 255);"> <td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Tier 1 leverage (to average assets)</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">66,307</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">9.27</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">28,614</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">4.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">35,767</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5.00</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">%</td> </tr> </tbody> </table> 73913000 0.1282 60520000 0.1050 57638000 0.1000 70166000 0.1217 48992000 0.0850 46110000 0.0800 70166000 0.1217 40347000 0.0700 37465000 0.0650 70166000 0.0973 28835000 0.0400 36044000 0.0500 69957000 0.1324 55471000 0.1050 52830000 0.1000 66307000 0.1255 44905000 0.0850 42264000 0.0800 66307000 0.1255 36981000 0.0700 34339000 0.0650 66307000 0.0927 28614000 0.0400 35767000 0.0500 <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">8.</em></b>         <b>Fair Value</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 29pt;text-indent:21pt;">In accordance with ASC <em style="font: inherit;">820,</em> “Fair Value Measurements and Disclosure”, the Bank uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability (“an exit price”) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are <em style="font: inherit;">no</em> quoted market prices for the Bank’s various financial instruments. In cases where quoted market prices are <em style="font: inherit;">not</em> 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. Accordingly, the fair value estimates <em style="font: inherit;"> may </em><em style="font: inherit;">not</em> be realized in an immediate settlement of the instrument.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 29pt;text-indent:21pt;">The fair value guidance provides a consistent definition of fair value, which focuses on exit price in the principal or most advantageous market for the asset or liability in an orderly transaction (that is, <em style="font: inherit;">not</em> a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques <em style="font: inherit;"> may </em>be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is the most representative of fair value under current market conditions.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 29pt;text-indent:21pt;">In accordance with the guidance, a hierarchy of valuation techniques is 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. The <em style="font: inherit;">three</em> levels of the fair value hierarchy under ASC <em style="font: inherit;">820</em> based on these <em style="font: inherit;">two</em> types of inputs are as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"> <tbody> <tr style="vertical-align: top;"> <td style="width: 54pt;"> </td> <td style="width: 18pt;"> <p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">●</p> </td> <td style="width: auto;"> <p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Level <em style="font: inherit;">1:</em> Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.</p> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"> <tbody> <tr style="vertical-align: top;"> <td style="width: 54pt;"> </td> <td style="width: 18pt;"> <p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">●</p> </td> <td style="width: auto;"> <p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Level <em style="font: inherit;">2:</em> Significant other observable inputs other than Level <em style="font: inherit;">1</em> prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are <em style="font: inherit;">not</em> active, and other inputs that are observable or can be corroborated by observable market data.</p> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"> <tbody> <tr style="vertical-align: top;"> <td style="width: 54pt;"> </td> <td style="width: 18pt;"> <p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">●</p> </td> <td style="width: auto;"> <p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Level <em style="font: inherit;">3:</em> Significant unobservable inputs that reflect the Company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.</p> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:45pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 29pt;text-indent:21pt;">The Company uses the following methods and significant assumptions to estimate the fair values of the following assets:</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"> <tbody> <tr style="vertical-align: top;"> <td style="width: 54pt;"> </td> <td style="width: 18pt;"> <p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">●</p> </td> <td style="width: auto;"> <p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Securities available for sale: The fair values of securities available for sale are determined by obtaining quoted prices from a nationally recognized securities pricing agent. If quoted market prices are <em style="font: inherit;">not</em> available, fair value is determined using quoted market prices for similar securities.</p> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"> <tbody> <tr style="vertical-align: top;"> <td style="width: 54pt;"> </td> <td style="width: 18pt;"> <p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">●</p> </td> <td style="width: auto;"> <p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Equity security at fair value: The Company’s investment in an equity mutual fund is valued based on the net asset value of the fund, which is classified as Level <em style="font: inherit;">1.</em></p> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"><b><em style="font: inherit;">8.</em></b>         <b>Fair Value (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"> <tbody> <tr style="vertical-align: top;"> <td style="width: 54pt;"> </td> <td style="width: 18pt;"> <p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">●</p> </td> <td style="width: auto;"> <p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Other real estate owned (“OREO”): Nonrecurring fair value adjustments to OREO reflect full or partial write-downs that are based on the OREO’s observable market price or current appraised value of the real estate. Since the market for OREO is <em style="font: inherit;">not</em> active, OREO subjected to nonrecurring fair value adjustments based on the current appraised value of the real estate are classified as Level <em style="font: inherit;">3.</em> The appraised value is obtained annually from an independent <em style="font: inherit;">third</em> party appraiser and is reduced by expected sales costs, which has historically been 10% of the appraised value.</p> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"> <tbody> <tr style="vertical-align: top;"> <td style="width: 54pt;"> </td> <td style="width: 18pt;"> <p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin:0pt;">●</p> </td> <td style="width: auto;"> <p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">Impaired loans: Nonrecurring fair value adjustments to impaired loans reflect full or partial write-downs and reserves that are based on the impaired loan’s observable market price or current appraised value of the collateral. Since the market for impaired loans is <em style="font: inherit;">not</em> active, such loans subjected to nonrecurring fair value adjustments based on the current appraised value of the collateral are classified as Level <em style="font: inherit;">3.</em> The appraised value is obtained annually from an independent <em style="font: inherit;">third</em> party appraiser and is reduced by expected sales costs, which has historically been 10% of the appraised value.</p> </td> </tr> </tbody> </table> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 63pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 15pt;">The following table summarizes financial assets measured at fair value on a recurring and nonrecurring basis as of <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December 31, 2021, </em>segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 2.5%; margin-left: 2.5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="14" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Carrying Value:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 1</p> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 2</p> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 3</p> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><span style="text-decoration: underline; ">September 30, 2022</span></p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Recurring:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Available for sale securities</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">547,729</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">547,729</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,106,055</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,106,055</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">9,428,552</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">9,428,552</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,531,697</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,531,697</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">128,614,033</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">128,614,033</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity security at fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mutual fund</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">486,237</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">486,237</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Nonrecurring:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other real estate owned, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Impaired loans, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b><b/></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><em style="font: inherit;">8.</em></b>         <b>Fair Value (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="14" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Carrying Value:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 1</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 2</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 3</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><span style="text-decoration: underline; ">December 31, 2021</span></p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Recurring:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Available for sale securities</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">763,498</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">763,498</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,397,762</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,397,762</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Corporate Bonds</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">8,584,207</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">650,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">9,234,207</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">137,842,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">137,842,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">148,587,916</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">650,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">149,237,916</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity security at fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mutual fund</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">543,605</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">543,605</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Nonrecurring:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other real estate owned, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Impaired loans, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"><b> </b></td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"><b> </b></td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 27pt;text-indent:23pt;">The following table displays quantitative information about level <em style="font: inherit;">3</em> inputs for <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;"> December 31, 2021:</em></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20.3%; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Assets</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid black;"> </td> <td colspan="2" style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 24.3%; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Valuation Techniques</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 23.4%; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Unobservable Input</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Average</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Impaired loans</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total impaired loans</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">OREO</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> </tbody> </table> <p style="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Assets</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> </td> <td colspan="2" style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Valuation Techniques</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Unobservable Input</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> </td> <td colspan="2" style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Average</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Impaired loans</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total impaired loans</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">OREO</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">%</td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b><b/></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><em style="font: inherit;">8.</em></b>         <b>Fair Value (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 27pt;text-indent:23pt;">The estimated fair value of financial instruments that are reported at amortized cost in the Company’s consolidated balance sheets, segregated by the level of the valuation inputs were as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30, 2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">December 31, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Carrying</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Estimated</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Carrying</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Estimated</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amount</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amount</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48.5%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Financial assets</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 1 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Cash and cash equivalents</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">16,031,744</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">16,031,744</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">26,462,106</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">26,462,106</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 2 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Certificates of deposit in other banks</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">100,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">100,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">350,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">350,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Accrued interest receivable</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,600,382</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,600,382</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,609,063</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,609,063</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Securities held to maturity</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">17,507,634</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,396,811</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">21,851,975</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">22,805,601</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage loans held for sale</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">370,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">375,136</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">126,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">128,829</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Restricted stock, at cost</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">695,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">695,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">675,400</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">675,400</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Bank owned life insurance</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">14,535,898</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">14,535,898</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">11,556,163</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">11,556,163</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 3 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Securities held to maturity</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,029,620</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,029,620</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,073,040</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,073,040</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Loans, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">505,395,375</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">471,500,501</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">482,011,334</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">487,012,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Financial liabilities</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 1 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Noninterest-bearing deposits</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">131,269,680</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">131,269,680</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">124,175,615</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">124,175,615</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Securities sold under repurchase agreements</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,422,642</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,422,642</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,414,026</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,414,026</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 2 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Interest-bearing deposits</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">507,700,154</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">503,645,154</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">502,239,055</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">502,396,172</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Federal Home Loan Bank advances</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,000,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">4,596,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,000,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">4,967,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Long-term debt</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,566,458</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,436,251</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">16,978,905</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">17,298,111</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Accrued interest payable</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">260,266</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">260,266</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">295,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">295,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> 0.10 0.10 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 2.5%; margin-left: 2.5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="14" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Carrying Value:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 1</p> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 2</p> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 3</p> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><span style="text-decoration: underline; ">September 30, 2022</span></p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Recurring:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Available for sale securities</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">547,729</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">547,729</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,106,055</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,106,055</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Corporate bonds</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">9,428,552</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">9,428,552</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,531,697</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">117,531,697</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">128,614,033</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">128,614,033</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity security at fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mutual fund</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">486,237</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">486,237</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Nonrecurring:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other real estate owned, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Impaired loans, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="14" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Carrying Value:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 1</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 2</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Level 3</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Total</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><span style="text-decoration: underline; ">December 31, 2021</span></p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Recurring:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Available for sale securities</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State and municipal</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">763,498</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">763,498</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">SBA pools</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,397,762</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">1,397,762</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Corporate Bonds</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">8,584,207</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">650,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">9,234,207</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage-backed securities</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">137,842,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">137,842,449</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">148,587,916</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">650,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">149,237,916</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity security at fair value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mutual fund</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">543,605</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">543,605</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Nonrecurring:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other real estate owned, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Impaired loans, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"><b> </b></td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"><b> </b></td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> </tbody> </table> 0 547729 0 547729 0 1106055 0 1106055 0 9428552 0 9428552 0 117531697 0 117531697 0 128614033 0 128614033 486237 0 0 486237 0 0 1242365 1242365 0 0 373500 373500 0 763498 0 763498 0 1397762 0 1397762 0 8584207 650000 9234207 0 137842449 0 137842449 0 148587916 650000 149237916 543605 0 0 543605 0 0 1242365 1242365 0 0 373500 373500 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; width: 20.3%; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">September 30, 2022:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Assets</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid black;"> </td> <td colspan="2" style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 24.3%; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Valuation Techniques</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; width: 23.4%; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Unobservable Input</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Average</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Impaired loans</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total impaired loans</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">OREO</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> </tbody> </table> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px; margin-left: 27pt;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021:</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Assets</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> </td> <td colspan="2" style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px; border-bottom: 1px solid black;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Valuation Techniques</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid black;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Unobservable Input</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid black;"> </td> <td colspan="2" style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Average</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Impaired loans</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial real estate</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Commercial</p> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 13%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">-</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total impaired loans</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;">373,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">%</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">OREO</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 13%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;">1,242,365</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Discounted appraised value</em></p> </td> <td style="font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs</em></p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td> <td style="width: 13%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">10</td> <td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">%</td> </tr> </tbody> </table> 373500 0.10 0 0.10 373500 0.10 1242365 0.10 373500 0.10 0 0.10 373500 0.10 1242365 0.10 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30, 2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">December 31, 2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Carrying</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Estimated</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Carrying</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Estimated</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amount</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amount</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Fair Value</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48.5%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Financial assets</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 1 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Cash and cash equivalents</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">16,031,744</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">16,031,744</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">26,462,106</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">26,462,106</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 2 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Certificates of deposit in other banks</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">100,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">100,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">350,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">350,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Accrued interest receivable</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,600,382</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,600,382</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,609,063</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">1,609,063</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Securities held to maturity</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">17,507,634</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,396,811</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">21,851,975</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">22,805,601</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Mortgage loans held for sale</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">370,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">375,136</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">126,500</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">128,829</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Restricted stock, at cost</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">695,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">695,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">675,400</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">675,400</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Bank owned life insurance</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">14,535,898</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">14,535,898</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">11,556,163</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">11,556,163</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 3 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Securities held to maturity</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,029,620</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,029,620</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,073,040</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">3,073,040</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Loans, net</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">505,395,375</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">471,500,501</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">482,011,334</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">487,012,970</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Financial liabilities</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 1 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Noninterest-bearing deposits</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">131,269,680</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">131,269,680</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">124,175,615</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;">$</td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">124,175,615</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Securities sold under repurchase agreements</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,422,642</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,422,642</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,414,026</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,414,026</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Level 2 inputs</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Interest-bearing deposits</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">507,700,154</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">503,645,154</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">502,239,055</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">502,396,172</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Federal Home Loan Bank advances</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,000,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">4,596,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">5,000,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">4,967,000</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Long-term debt</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,566,458</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">15,436,251</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">16,978,905</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">17,298,111</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Accrued interest payable</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">260,266</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">260,266</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">295,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt;"> </td> <td style="width: 9%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; text-align: right;">295,910</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> </td> </tr> </tbody> </table> 16031744 16031744 26462106 26462106 100000 100000 350000 350000 1600382 1600382 1609063 1609063 17507634 15396811 21851975 22805601 370000 375136 126500 128829 695000 695000 675400 675400 14535898 14535898 11556163 11556163 3029620 3029620 3073040 3073040 505395375 471500501 482011334 487012970 131269680 131269680 124175615 124175615 5422642 5422642 5414026 5414026 507700154 503645154 502239055 502396172 5000000 4596000 5000000 4967000 15566458 15436251 16978905 17298111 260266 260266 295910 295910 <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><em style="font: inherit;">9.</em> </b>         <b>Earnings per Share</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 27pt;text-indent:23pt;">Basic earnings per share is determined by dividing net income available to stockholders by the weighted-average number of shares of common stock outstanding during the period and does <em style="font: inherit;">not</em> include the effect of any potentially dilutive common stock equivalents, giving retroactive effect to stock dividends declared during the period. Diluted earnings per share is determined in the same manner, except that the weighted-average number of shares of common stock outstanding is adjusted for the dilutive effect of outstanding common stock equivalents. The following table sets forth the calculation of basic and diluted earnings per share for the <em style="font: inherit;">three</em>- and <em style="font: inherit;">nine</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021.</em> There were <em style="font: inherit;">no</em> common stock equivalents outstanding during the <em style="font: inherit;">nine</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>or <em style="font: inherit;">2021.</em></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:27pt;"> </p> <p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>Farmers and Merchants Bancshares, Inc. and Subsidiaries</b><b/></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Notes to Consolidated Financial Statements (Continued)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Unaudited)</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><em style="font: inherit;">9.</em> </b>         <b>Earnings per Share (continued)</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Three Months Ended</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Nine Months Ended</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30,</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30,</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Net income</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,974,310</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">2,122,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">6,075,845</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">6,184,341</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Weighted average shares outstanding</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,053,487</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,023,487</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,043,006</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,015,602</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Earnings per share - basic and diluted</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.65</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.70</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">2.00</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">2.05</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td> </tr> </tbody> </table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 5%; width: 95%; font-size: 10pt; font-family: Times New Roman; text-indent: 0px;"> <tbody> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Three Months Ended</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Nine Months Ended</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30,</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td colspan="6" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">September 30,</p> </td> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="font-family: Times New Roman; font-size: 10pt;"> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2022</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td colspan="2" style="text-align: center; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</p> </td> <td style="font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt; width: 48%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Net income</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,974,310</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">2,122,547</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">6,075,845</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">6,184,341</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Weighted average shares outstanding</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 3px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,053,487</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,023,487</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,043,006</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">3,015,602</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> <td style="font-family: Times New Roman; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Earnings per share - basic and diluted</p> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; padding-bottom: 1px;"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.65</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.70</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">2.00</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td> <td style="width: 10%; text-align: right; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">2.05</td> <td style="width: 1%; font-family: Times New Roman; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td> </tr> </tbody> </table> 1974310 2122547 6075845 6184341 3053487 3023487 3043006 3015602 0.65 0.70 2.00 2.05 <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><b><em style="font: inherit;">10.</em></b>         <b>Retirement Plans </b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 27pt; text-indent: 23pt;">The Company has a profit sharing plan qualifying under Section <em style="font: inherit;">401</em>(k) of the Internal Revenue Code. All employees age <em style="font: inherit;">21</em> or older with <em style="font: inherit;">six</em> months of service are eligible for participation in the plan. The Company matches employee contributions up to 4% of total compensation and <em style="font: inherit;"> may </em>make additional discretionary contributions. Employee and employer contributions are 100% vested when made. The Company’s contributions to this plan were $53,057 and $52,818 for the <em style="font: inherit;">three</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021,</em> respectively, and $192,223 and $194,566 for the <em style="font: inherit;">nine</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021.</em></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 27pt; text-indent: 23pt;">The Company has entered into agreements with 12 employees to provide certain life insurance benefits payable in connection with policies of life insurance on those employees that are owned by the Company. Each of the agreements provides for the amount of death insurance benefits to be paid to beneficiaries of the insured. For this plan, the Company expensed $1,702 and $1,661 for the <em style="font: inherit;">three</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021,</em> respectively, and $5,107 and $4,982 for the <em style="font: inherit;">nine</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021.</em></p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 27pt; text-indent: 23pt;">The Company adopted supplemental executive retirement plans for four of its executives. The plans provide cash compensation to the executive officers under certain circumstances, including a separation of service. The benefits vest over the period from adoption to a specified age for each executive. The Company recorded expenses related to these plans, including interest, of $46,250 and $42,000 for the <em style="font: inherit;">three</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021,</em> respectively, and $136,250 and $126,000 for the <em style="font: inherit;">nine</em>-month periods ended <em style="font: inherit;"> September 30, 2022 </em>and <em style="font: inherit;">2021.</em></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: Times New Roman; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 27pt; text-indent: 23pt;">Retirement plan expenses are included in employee benefits on the consolidated statements of income.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> 0.04 1 53057 52818 192223 194566 12 1702 1661 5107 4982 4 46250 42000 136250 126000 EXCEL 63 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0 ( !9@;E4'04UB@0 +$ 0 9&]C4')O<',O87!P+GAM M;$V./0L",1!$_\IQO;=!P4)B0-!2L+(/>QLOD&1#LD)^OCG!CVX>;QA&WPIG M*N*I#BV&5(_C(I(/ !47BK9.7:=N')=HI6-Y #OGDK7A.YNJQ<&4GPZ4A!0W_J=0U[R;UEA_6\#MI7E!+ P04 M " 68&Y5!@LR?>X K @ $0 &1O8U!R;W!S+V-O&ULS9+! 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