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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

 

FORM 10-K

 

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

 

For the fiscal year ended December 31, 2022

 

or

 

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

 

For the transition period from _____to _____

 

Commission file number 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 Number) 
     
 4510 Lower Beckleysville Road, Suite H, Hampstead, Maryland 21074 
 (Address of principal executive offices) (Zip Code) 

                                      

Registrant’s telephone number, including area code: 410-374-1510

 

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

 

Securities registered pursuant to Section 12(g) of the Act: Common stock, par value $.01 per share

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☐ No ☑

 

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

 

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

 

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

 

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

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

 

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

 

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☐

 

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐

 

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to § 240.10D-1(b). ☐

 

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

 

The aggregate market value of the registrant’s voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant’s most recently completed second fiscal quarter: $61,560.092.

 

The number of shares of the registrant’s common stock outstanding as of February 28, 2023: 3,071,214

 

Documents Incorporated by Reference

 

Portions of the registrant’s definitive proxy statement for the 2023 Annual Meeting of Stockholders to be filed with the SEC pursuant to Regulation 14A are incorporated by reference into Part III of this Annual Report on Form 10-K.

 

 
 

 

 

Farmers and Merchants Bancshares, Inc.

Table of Contents

 

PART I

    

ITEM 1.

Business

 2

ITEM 1A.

Risk Factors

11

ITEM 1B.

Unresolved Staff Comments

20

ITEM 2.

Properties

20

ITEM 3.

Legal Proceedings

 21

ITEM 4.

Mine Safety Disclosures

 21

PART II

    

ITEM 5.

Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

 21

ITEM 6.

[Reserved]

22

ITEM 7.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

 23

ITEM 7A.

Quantitative and Qualitative Disclosures About Market Risk

 40

ITEM 8.

Financial Statements and Supplementary Data

 40

ITEM 9.

Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

 79

ITEM 9A.

Controls and Procedures

 79

ITEM 9B.

Other Information

 81

ITEM 9C.

Disclosure Regarding Foreign Jurisdictions that Prevent Inspection

 81

PART III

    

ITEM 10.

Directors, Executive Officers and Corporate Governance

 81

ITEM 11.

Executive Compensation

 81

ITEM 12.

Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

 81

ITEM 13.

Certain Relationships and Related Transactions, and Director Independence

 81

ITEM 14.

Principal Accountant Fees and Services

 81

PART IV

    

ITEM 15.

Exhibits and Financial Statement Schedules

 82

ITEM 16.

Form 10-K Summary

 84

SIGNATURES

   84

 

- i -
 

 

Forward-Looking Statements

 

As used in this Annual Report on Form 10-K, the terms the “Company”, “we”, “us”, and “our” refer to Farmers and Merchants Bancshares, Inc. and, unless the context clearly requires otherwise, its consolidated subsidiaries.

 

Some of the statements contained in this annual report may include projections, predictions, expectations or statements as to beliefs or future events or results or refer to other matters that are not historical facts. Such statements constitute forward-looking statements and are subject to known and unknown risks, uncertainties and other factors that could cause the actual results to differ materially from those contemplated by the statements. The forward-looking statements are based on various factors and were derived using numerous assumptions. In some cases, you can identify forward-looking statements by words like “may”, “will”, “should”, “expect”, “plan”, “anticipate”, “intend”, “believe”, “estimate”, “predict”, “potential”, or “continue” or the negative of those words and other comparable words. You should be aware that those statements reflect only our predictions. If known or unknown risks or uncertainties should materialize, or if underlying assumptions should prove inaccurate, actual results could differ materially from past results and those anticipated, estimated or projected. You should bear this in mind when reading this annual report and not place undue reliance on these forward-looking statements. Factors or events that could cause our actual results to differ from our forward-looking statements may emerge from time to time, and it is not possible for us to predict all of them.

 

The following factors are among those that may cause actual results to differ materially from our forward-looking statements in this annual report:

 

 

●

unexpected changes in the housing market, business markets, and/or general economic conditions in our market area, or a slower-than-anticipated economic recovery, which might lead to increased or decreased demand for loans, deposits and other products and services and/or increase loan delinquencies or defaults;

 

 

●

changes in market rates and prices may adversely impact the value of securities, loans, deposits and other financial instruments and the interest rate sensitivity of our balance sheet;

 

 

●

our liquidity requirements could be adversely affected by changes in our assets and liabilities;

 

 

●

the effects of legislative or regulatory developments, including changes in laws concerning taxes, banking, securities, insurance and other aspects of the financial services industry;

 

 

●

competitive factors among financial services organizations, including product and pricing pressures and our ability to attract, develop and retain qualified banking professionals;

 

 

●

the effects of changes in accounting policies and practices, as may be adopted by the Financial Accounting Standards Board, the Securities and Exchange Commission (the “SEC”), the Public Company Accounting Oversight Board and other regulatory agencies;

 

 

●

the impact of acquisitions and other strategic transactions;

 

 

●

the effects of fiscal and governmental policies of the United States federal government; and

 

 

●

the impact of any current or future pandemic on economic, market and/or business conditions.

 

You should also consider carefully the risk factors discussed in Item 1A of Part I of this annual report, which address additional factors that could cause our actual results to differ from those set forth in the forward-looking statements and could materially and adversely affect our business, operating results and financial condition. The risks discussed in this annual report are factors that, individually or in the aggregate, management believes could cause our actual results to differ materially from expected and historical results. You should understand that it is not possible to predict or identify all such factors. Consequently, you should not consider such disclosures to be a complete discussion of all potential risks or uncertainties.

 

The forward-looking statements speak only as of the date on which they are made, and, except to the extent required by federal securities laws, we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events. In addition, we cannot assess the impact of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.

 

 
 
 

 

ITEM 1.         BUSINESS

 

General

 

Farmers and Merchants Bancshares, Inc. is a Maryland corporation chartered on August 8, 2016 that is registered with the Board of Governors of the Federal Reserve System (the “Federal Reserve”) as a bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). At the time it registered as a bank holding company, the Company also elected to become a financial holding company, which allows it to engage in certain activities, and own shares or control of certain entities, that are in addition to those permissible for an entity that is a bank holding company only. Effective November 1, 2016, the Company consummated a bank holding company reorganization involving the Bank pursuant to which the Bank became a wholly-owned subsidiary of the Company and all of the Bank’s stockholders became stockholders of the Company.

 

Effective on October 1, 2020, the Company consummated its acquisition of Carroll Bancorp, Inc. (“Carroll”) and its wholly-owned subsidiary, Carroll Community Bank through a series of mergers (collectively, the “Merger”). Each share of common stock of Carroll (“Carroll Common Stock”) that was outstanding immediately prior to the effective time of the Merger (the “Effective Time”) was converted into the right to receive cash in the amount $21.63 (the “Per Share Consideration”). Immediately prior to the Effective Time, there were 1,146,913 outstanding shares of Carroll Common Stock, all of which were converted into the Per Share Consideration. The Company funded the payment of the merger consideration with $7.8 million in cash and the proceeds of a $17 million term loan obtained from a third-party.

 

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”).

 

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 (FCBI) that was formed on November 9, 2016 to better manage our risk programs, provide insurance efficiencies, and add operating income by both keeping our insurance premiums 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.

 

At December 31, 2022, our consolidated assets totaled approximately $718 million and stockholders’ equity was approximately $47.8 million.

 

Banking Activities

 

The Bank has been doing business in Maryland since 1919 and is engaged in both the commercial and consumer banking business. At December 31, 2022, the Bank had approximately 19,028 deposit accounts, representing $624 million in deposits. At December 31, 2022, the Bank had $517 million in loans, representing 72% of its total assets of $718 million.

 

The Bank’s general market area runs along the Route 30, Route 795, Route 140, and Route 26 corridors south from Owings Mills and north to the Pennsylvania line including the areas of Reisterstown, Upperco, Hampstead, Manchester, Eldersburg, and Westminster. The Bank’s western area includes the communities of Woodbine and New Windsor, while the eastern side includes Sparks, Hereford and Parkton. All of these communities are located in Carroll County or Baltimore County, Maryland.

 

This market area serves as a bedroom community to large employment areas such as Owings Mills, Hunt Valley, Towson, White Marsh, Columbia and Baltimore City. The market area is primarily residential with retail, commercial and light-manufacturing activity. The opening of Interstate 795 in the 1980’s made it convenient to enjoy a rural lifestyle while still being able to commute to work in a reasonable time.

 

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The Bank’s main office is located in Upperco, Maryland, and it has six additional full service branches located in the Maryland communities of Hampstead, Greenmount, Reisterstown, Owings Mills, Eldersburg, and Westminster. In addition, the Bank has a satellite branch located at the senior living community of Carroll Lutheran Village in Westminster, Maryland.

 

As a convenience to its customers, the Bank offers drive through automated teller machines (“ATMs”) at the Upperco, Owings Mills, Hampstead, Reisterstown, and Westminster locations and walk-up ATMs at the Greenmount and Eldersburg offices. The Greenmount In-Store location is open 7-days a week while the other six full service offices offer convenient banking hours which include Saturday mornings. The satellite branch is opened five days a week with limited business hours. Drive-thru windows are available at the Upperco, Owings Mills, Hampstead, Reisterstown, Eldersburg, and Westminster branches. The Bank offers 24-hour on-line, internet banking for account balance inquiries, bill paying, or transferring funds between accounts. The Bank provides mobile banking functionality to its internet services. In addition, the 24-hour Dial-A-Bank automated telephone service is available. Debit cards are another service the Bank provides to its customers. The Bank joined Allpoint, America’s largest surcharge-free ATM network, to enable Bank customers to have access to over 55,000 ATMs, surcharge-free.

 

The Bank provides a wide range of personal banking services designed to meet the needs of local consumers. Among the deposit services provided are checking accounts, savings accounts, money market accounts, certificates of deposit and individual retirement accounts. The Bank also offers repurchase agreements and remote check deposits.

 

The Bank grants available credit for residential mortgages (including Federal Housing Administration and Veterans Affairs loans), construction loans, home equity lines, personal installment loans and other consumer financing.

 

The Bank also is engaged in financing commerce and industry by providing credit and deposit services for small to medium size businesses and the agricultural community in the Bank’s market area. The Bank offers many forms of commercial lending, including commercial mortgages, land acquisition and development loans, lines of credit, accounts receivable financing, term loans for fixed asset purchases, as well as loans guaranteed by the Small Business Administration (the “SBA”) and the United States Department of Agriculture (the “USDA”).

 

In addition, commercial depositors may take advantage of many different services including checking accounts, remote deposit banking services, sweep accounts, money market accounts, savings accounts and certificates of deposit.

 

The Bank also has strategic alliances that allow for the issuance of credit cards to retail customers and to provide merchant services so commercial customers can accept credit cards and debit cards as payment for their goods and services.

 

The Bank has adopted policies and procedures designed to mitigate credit risk and 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 Bank’s policy is to make the majority of its loan commitments in the market area it serves. 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. No material portion of the Bank’s loans is concentrated within a single industry or group of related industries. Most of the Bank’s loans are, however, made to Maryland customers and many are secured by real estate located in or around Maryland. Although Management believes that the loan portfolio is diversified, its performance will be influenced by the economy of the region.

 

Investment Activities

 

The Bank maintains a portfolio of investment securities to provide liquidity and income. The current portfolio of $147 million represented approximately 20% of the total assets at December 31, 2022 and is invested primarily in mortgage-backed securities and municipal bonds.

 

A key objective of the investment portfolio is to provide a balance in the Bank’s asset mix of investments and loans consistent with its liability structure, and to assist in management of interest rate risk. The investments augment the Bank’s capital position, providing the necessary liquidity to meet fluctuations in credit demand of the community and fluctuations in deposit levels. In addition, the portfolio provides collateral for pledging against public funds and repurchase agreements and an opportunity to minimize income tax liability. Finally, the investment portfolio is designed to provide income for the Bank. In view of the above objectives, only securities that meet conservative investment criteria are purchased.

 

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Insurance Activities

 

As noted above, the Insurance Subsidiary is one protected cell of a protected cell captive insurance company. Since its formation and until November 7, 2020, the Insurance Subsidiary has reinsured certain risks of the Bank as well as other groups of related entities that are not affiliated with the Bank for which it receives premiums. The insurance policies that are the subject of this reinsurance obligation are issued each year. Once the claim deadline passes for a particular policy year, the premium earned by the Insurance Subsidiary may be retained as earnings (subject to any regulatory capital and surplus requirements imposed by applicable law). As the sole owner of the Insurance Subsidiary, the Company may choose to terminate the Insurance Subsidiary’s participation in this reinsurance arrangement with respect to a future year at any time. The Company chose to not renew the most recent policy when it expired on November 6, 2022. The Insurance Subsidiary is still active, however, as it is in the process of paying claims for events that occurred prior to November 7, 2022.

 

Competition

 

The banking business, in all of its phases, is highly competitive. Within our market areas, we compete with commercial banks, (including local banks and branches or affiliates of other larger banks), savings and loan associations and credit unions for loans and deposits, with consumer finance companies for loans, and with other financial institutions for various types of products and services. There is also competition for commercial and retail banking business from banks and financial institutions located outside our market areas and on the Internet.

 

The primary factors in competing for deposits are interest rates, personalized services, the quality and range of financial services, convenience of office locations and office hours. The primary factors in competing for loans are interest rates, loan origination fees, the quality and range of lending services and personalized services.

 

To compete with other financial services providers, we rely principally upon local promotional activities, personal relationships established by officers, directors and employees with customers, and specialized services tailored to meet customers’ needs. In those instances in which we are unable to accommodate a customer’s needs, we attempt to arrange for those services to be provided by other financial services providers with which we have a relationship.

 

Supervision and Regulation

 

The following is a summary of the material regulations and policies applicable to the Company and its subsidiaries and is not intended to be a comprehensive discussion. Changes in applicable laws and regulations may have a material effect on our business.

 

General

 

The Company is subject to the supervision, examination and reporting requirements of the BHC Act and the regulations of the Federal Reserve that apply to financial holding companies. As a holding company of a Maryland-chartered bank, the Company is also subject to supervision by the Office of the Maryland Commissioner of Financial Regulation (the “Maryland Commissioner”). Because the Company’s common stock is registered under Section 12(g) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), the Company is also subject to regulation and supervision by the SEC.

 

The Bank is a Maryland commercial bank subject to the banking laws of Maryland and to regulation by the Maryland Commissioner, who is required by statute to make at least one examination in each calendar year (or at 18-month intervals if the Maryland Commissioner determines that an examination is unnecessary in a particular calendar year). As a member of the Federal Deposit Insurance Corporation (the “FDIC”), the Bank is also subject to certain provisions of federal laws and regulations regarding deposit insurance and activities of insured state-chartered banks, including those that require examination by the FDIC. In addition to the foregoing, there are a myriad of other federal and state laws and regulations that affect or govern the business of banking, including consumer lending and deposit-taking.

 

All non-bank subsidiaries of the Company are subject to examination by the Federal Reserve, and, as affiliates of the Bank, are subject to examination by the FDIC and the Maryland Commissioner. In addition, the Insurance Subsidiary is subject to licensing and regulation by the Tennessee Insurance Department, and, as a captive insurance company, is subject to certain restrictions and requirements imposed under the Internal Revenue Code of 1986, as amended (the “IRC”).

 

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Regulatory Reforms

 

The Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”), which was enacted in July 2010, significantly restructured the financial regulatory regime in the United States. The Dodd-Frank Act established the Consumer Financial Protection Bureau (the “CFPB”), and contains a wide variety of provisions affecting the regulation of depository institutions, including fair lending, fair debt collection practices, mortgage loan origination and servicing obligations, bankruptcy, military service member protections, use of credit reports, privacy matters, and disclosure of credit terms and correction of billing errors.  In addition, the Dodd-Frank Act permits states to adopt stricter consumer protection laws and each state attorney general may enforce consumer protection rules issued by the CFPB.  Since the enactment of the Dodd-Frank Act, the CFPB, and to some extent, some state attorney generals, have used provisions of the Dodd-Frank Act to bring enforcement actions seeking to curb “unfair, deceptive or abusive acts or practices” (“UDAAP”) in the financial services sector.  With a change of leadership at the CFPB, and continued enforcement and regulatory actions at the state level, enforcement and regulatory priorities could change, resulting in increased regulatory compliance burdens and costs and restrictions on the financial products and services that we offer to our customers in the future.

 

Regulation of Bank Holding Companies and Financial Holding Companies

 

The Company and its affiliates are subject to the provisions of Section 23A and Section 23B of the Federal Reserve Act. Section 23A limits the amount of loans or extensions of credit to, and investments in, the Company and its non-bank affiliates by the Bank. Section 23B requires that transactions between the Bank and the Company and its non-bank affiliates be on terms and under circumstances that are substantially the same as with non-affiliates.

 

Under Federal Reserve policy, the Company is expected to act as a source of strength to the Bank, and the Federal Reserve may charge the Company with engaging in unsafe and unsound practices for failure to commit resources to a subsidiary bank when required. This support may be required at times when the bank holding company may not have the resources to provide the support. Under the prompt corrective action provisions, if a controlled bank is undercapitalized, then the regulators could require the bank holding company to guarantee the bank’s capital restoration plan. In addition, if the Federal Reserve believes that a bank holding company’s activities, assets or affiliates represent a significant risk to the financial safety, soundness or stability of a controlled bank, then the Federal Reserve could require the bank holding company to terminate the activities, liquidate the assets or divest the affiliates. The regulators may require these and other actions in support of controlled banks even if such actions are not in the best interests of the bank holding company or its stockholders. Because the Company is a bank holding company, it is viewed as a source of financial and managerial strength for any controlled depository institutions, like the Bank.

 

In addition, under the Financial Institutions Reform, Recovery and Enforcement Act of 1989 (“FIRREA”), depository institutions insured by the FDIC can be held liable for any losses incurred by, or reasonably anticipated to be incurred by, the FDIC in connection with (i) the default of a commonly controlled FDIC-insured depository institution or (ii) any assistance provided by the FDIC to a commonly controlled FDIC-insured depository institution in danger of default. Accordingly, in the event that any insured subsidiary of the Company causes a loss to the FDIC, other insured subsidiaries of the Company could be required to compensate the FDIC by reimbursing it for the estimated amount of such loss. Such cross guaranty liabilities generally are superior in priority to obligations of a financial institution to its shareholders and obligations to other affiliates. The Bank is the Company’s only FDIC-insured depository institution.

 

The provisions of the BHC Act relating to financial holding companies and the regulations promulgated thereunder require the Bank to remain “well capitalized” and “well managed”. The capital requirement is discussed below under the heading, “Prompt Corrective Action”. The Bank will be considered to be well managed so long as it achieves a CAMEL composite rating of at least “2” as a result of its most recent examination and at least a “satisfactory” management rating (if such rating is given). If the Bank were to fail to meet either of these requirements, then the Company would be required to enter into an agreement with the Federal Reserve that would address the remediation of the condition that led to the failure. During the term of that agreement, which is typically 180 days but which can be extended at the discretion of the Federal Reserve, the Company would be prohibited from commencing any additional activity or acquiring control or shares of any company that would otherwise be permissible for a financial holding company under Section 4(k) of the BHC Act. If the Company were to fail to correct that condition by the expiration of the agreement’s term, then the Federal Reserve could order the Company to divest its ownership of the Bank or, alternatively, terminate all financial holding company activities. For so long as the Company remains a financial holding company, the Bank must also maintain a Satisfactory or better rating under the Community Reinvestment Act (the “CRA”). During any period that the Bank fails to satisfy this requirement, the Company is prohibited from commencing any additional activity or acquiring control or shares of any company that would otherwise be permissible for a financial holding company under Section 4(k) of the BHC Act. The Bank currently satisfies all of the foregoing conditions.

 

Federal Banking Regulation

 

Federal banking regulators, such as the Federal Reserve and the FDIC, may prohibit the institutions over which they have supervisory authority from engaging in activities or investments that the agencies believe are unsafe or unsound banking practices. Federal banking regulators have extensive enforcement authority over the institutions they regulate to prohibit or correct activities that violate law, regulation or a regulatory agreement or which are deemed to be unsafe or unsound practices. Enforcement actions may include the appointment of a conservator or receiver, the issuance of a cease and desist order, the termination of deposit insurance, the imposition of civil money penalties on the institution, its directors, officers, employees and institution-affiliated parties, the issuance of directives to increase capital, the issuance of formal and informal agreements, the removal of or restrictions on directors, officers, employees and institution-affiliated parties, and the enforcement of any such mechanisms through restraining orders or other court actions.

 

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The Bank is subject to certain restrictions on extensions of credit to executive officers, directors, and principal stockholders or any related interest of such persons, which generally require that such credit extensions be made on substantially the same terms as those available to persons who are not related to the Bank and not involve more than the normal risk of repayment. Other laws tie the maximum amount that may be loaned to any one customer and its related interests to capital levels.

 

As part of the Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”), each federal banking regulator adopted non-capital safety and soundness standards for institutions under its authority. These standards include internal controls, information systems and internal audit systems, loan documentation, credit underwriting, interest rate exposure, asset growth, and compensation, fees and benefits. An institution that fails to meet those standards may be required by the agency to develop a plan acceptable to meet the standards. Failure to submit or implement such a plan may subject the institution to regulatory sanctions. We believe that the Bank meets substantially all standards that have been adopted. FDICIA also imposes capital standards on insured depository institutions.

 

The CRA requires the FDIC, in connection with its examination of financial institutions within its jurisdiction, to evaluate the record of those financial institutions in meeting the credit needs of their communities, including low and moderate income neighborhoods, consistent with principles of safe and sound banking practices. These factors are also considered by all regulatory agencies in evaluating mergers, acquisitions and applications to open a branch or facility. As of the date of its most recent examination report, the Bank had a CRA rating of “Satisfactory”.

 

The Bank is also subject to a variety of other laws and regulations with respect to the operation of its business, including, but not limited to, the Truth in Lending Act, the Truth in Savings Act, the Equal Credit Opportunity Act, the Electronic Funds Transfer Act, the Fair Housing Act, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, Expedited Funds Availability (Regulation CC), Reserve Requirements (Regulation D), Privacy of Consumer Information (Regulation P), Margin Stock Loans (Regulation U), the Right To Financial Privacy Act, the Flood Disaster Protection Act, the Homeowners Protection Act, the Servicemembers Civil Relief Act, the Real Estate Settlement Procedures Act, the Telephone Consumer Protection Act, the CAN-SPAM Act, the Children’s Online Privacy Protection Act, and the John Warner National Defense Authorization Act.

 

Capital Requirements

 

In addition to operational requirements, the Bank and the Company are subject to risk-based capital regulations, which were adopted and are monitored by federal banking regulators. These regulations are used to evaluate capital adequacy and require an analysis of an institution’s asset risk profile and off-balance sheet exposures, such as unused loan commitments and stand-by letters of credit.

 

On July 2, 2013, the Federal Reserve approved final rules that substantially amended the regulatory risk-based capital rules applicable to the Company. The FDIC subsequently approved the same rules, which are applicable to the Bank. The final rules implement the ”Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act and were implemented as of March 31, 2015. 

 

The Basel III capital rules include new risk-based capital and leverage ratios, which were phased in from 2015 to 2019, and which refine the definition of what constitutes “capital” for purposes of calculating those ratios. The minimum capital level requirements applicable to the Company under the final rules are: (i) a common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 4% for all institutions. The final rules also establish a “capital conservation buffer” of 2.5% above the new regulatory minimum capital requirements, which must consist entirely of common equity Tier 1 capital. The following minimum ratios were in effect at the beginning of 2019: (a) a common equity Tier 1 capital ratio of 7.0%, (b) a Tier 1 capital ratio of 8.5% and (c) a total capital ratio of 10.5%. Under the final rules, institutions are subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations establish a maximum percentage of eligible retained income that could be utilized for such actions.

 

The Basel III capital final rules also implement revisions and clarifications consistent with Basel III regarding the various components of Tier 1 capital, including common equity, unrealized gains and losses, as well as certain instruments that no longer qualify as Tier 1 capital, some of which will be phased out over time. Under the final rules, the effects of certain accumulated other comprehensive items are not excluded; however, banking organizations like the Company and the Bank that are not considered “advanced approaches” banking organizations may make a one-time permanent election to continue to exclude these items. The Company and the Bank made this election in their first quarter 2015 regulatory filings in order to avoid significant variations in the level of capital depending upon the impact of interest rate fluctuations on the fair value of the Company’s available-for-sale securities portfolio.

 

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The Basel III capital rules also contain revisions to the prompt corrective action framework, which is designed to place restrictions on insured depository institutions if their capital levels begin to show signs of weakness. These revisions were effective January 1, 2015. Under the prompt corrective action requirements, which are designed to complement the capital conservation buffer, insured depository institutions are required to meet the following capital level requirements in order to qualify as “well capitalized”: (i) a new common equity Tier 1 capital ratio of 6.5%; (ii) a Tier 1 capital ratio of 8% (increased from 6%); (iii) a total capital ratio of 10% (unchanged from current rules); and (iv) a Tier 1 leverage ratio of 5% (increased from 4%).

 

The Basel III capital rules set forth certain changes for the calculation of risk-weighted assets. These changes include (i) an increased number of credit risk exposure categories and risk weights; (ii) an alternative standard of creditworthiness consistent with Section 939A of the Dodd-Frank Act; (iii) revisions to recognition of credit risk mitigation; (iv) rules for risk weighting of equity exposures and past due loans, and (v) revised capital treatment for derivatives and repo-style transactions.

 

Regulators may require higher capital ratios when warranted by the particular circumstances or risk profile of a given banking organization. In the current regulatory environment, banking organizations must stay well-capitalized in order to receive favorable regulatory treatment on acquisition and other expansion activities and favorable risk-based deposit insurance assessments. Our capital policy establishes guidelines meeting these regulatory requirements and takes into consideration current or anticipated risks as well as potential future growth opportunities.

 

As of December 31, 2022, we were in compliance with the applicable requirements of the Basel III rules.

 

On September 17, 2019, the FDIC finalized a rule that introduces an optional simplified measure of capital adequacy for qualifying community banking organizations (i.e., the community bank leverage ratio (“CBLR”) framework), as required by the Economic Growth, Regulatory Relief and Consumer Protection Act. The CBLR framework is designed to reduce burden by removing the requirements for calculating and reporting risk-based capital ratios for qualifying community banking organizations that opt into the framework.

 

On April 6, 2020, in a joint statement, the FDIC, Federal Reserve and the Office of Comptroller of the Currency (“OCC”), issued two interim final rules regarding temporary changes to the CBLR framework to implement provisions of the CARES Act. Under the interim final rules, the community bank leverage ratio was reduced to 8% beginning in the second quarter and for the remainder of calendar year 2020, 8.5% for calendar year 2021, and 9% thereafter. In order to qualify for the CBLR framework, a community banking organization must have a tier 1 leverage ratio of greater than 8%, less than $10 billion in total consolidated assets, and limited amounts of off-balance-sheet exposures and trading assets and liabilities. A qualifying community banking organization that opts into the CBLR framework and meets all requirements under the framework will be considered to have met the well-capitalized ratio requirements under the Prompt Corrective Action regulations and will not be required to report or calculate risk-based capital. The Company has not opted-in to the CBLR framework.

 

Additional information about our capital ratios and requirements is contained in Item 7 of this Annual Report under the heading, “Capital Resources and Adequacy”.

 

Prompt Corrective Action

 

The Federal Deposit Insurance Act (the “FDI Act”) requires, among other things, the federal banking agencies to take “prompt corrective action” in respect of depository institutions that do not meet minimum capital requirements. The FDI Act includes the following five capital tiers: “well capitalized,” “adequately capitalized,” “undercapitalized,” “significantly undercapitalized” and “critically undercapitalized.” A depository institution’s capital tier will depend upon how its capital levels compare with various relevant capital measures and certain other factors, as established by regulation. The relevant capital measures are the total capital ratio, the Tier 1 capital ratio and the leverage ratio.

 

A bank will be (i) “well capitalized” if the institution has a total risk-based capital ratio of 10.0% or greater, a Tier 1 risk-based capital ratio of 8.0% or greater, and a leverage ratio of 5.0% or greater, and is not subject to any order or written directive by any such regulatory authority to meet and maintain a specific capital level for any capital measure, (ii) “adequately capitalized” if the institution has a total risk-based capital ratio of 8.0% or greater, a Tier 1 risk-based capital ratio of 4.0% or greater, and a leverage ratio of 4.0% or greater and is not “well capitalized”, (iii) “undercapitalized” if the institution has a total risk-based capital ratio that is less than 8.0%, a Tier 1 risk-based capital ratio of less than 4.0% or a leverage ratio of less than 4.0%, (iv) “significantly undercapitalized” if the institution has a total risk-based capital ratio of less than 6.0%, a Tier 1 risk-based capital ratio of less than 3.0% or a leverage ratio of less than 3.0%, and (v) “critically undercapitalized” if the institution’s tangible equity is equal to or less than 2.0% of average quarterly tangible assets. An institution may be downgraded to, or deemed to be in, a capital category that is lower than indicated by its capital ratios if it is determined to be in an unsafe or unsound condition or if it receives an unsatisfactory examination rating with respect to certain matters. A bank’s capital category is determined solely for the purpose of applying prompt corrective action regulations, and the capital category may not constitute an accurate representation of the bank’s overall financial condition or prospects for other purposes.

 

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Effective January 1, 2015, the Basel III capital rules revised the prompt corrective action requirements by (i) introducing the CET1 ratio requirement at each level (other than critically undercapitalized), with the required CET1 ratio being 6.5% for well-capitalized status; (ii) increasing the minimum Tier 1 capital ratio requirement for each category (other than critically undercapitalized), with the minimum Tier 1 capital ratio for well-capitalized status being 8%; and (iii) eliminating the provision that permitted a bank with a composite supervisory rating of 1 but a leverage ratio of at least 3% to be deemed adequately capitalized. The Basel III Capital Rules did not change the total risk-based capital requirement for any prompt corrective action category.

 

The FDI Act generally prohibits a depository institution from making any capital distributions (including payment of a dividend) or paying any management fee to its parent holding company if the depository institution would thereafter be “undercapitalized.” “Undercapitalized” institutions are subject to growth limitations and are required to submit a capital restoration plan. The agencies may not accept such a plan without determining, among other things, that the plan is based on realistic assumptions and is likely to succeed in restoring the depository institution’s capital. In addition, for a capital restoration plan to be acceptable, the depository institution’s parent holding company must guarantee that the institution will comply with such capital restoration plan. The bank holding company must also provide appropriate assurances of performance. The aggregate liability of the parent holding company is limited to the lesser of (i) an amount equal to 5.0% of the depository institution’s total assets at the time it became undercapitalized and (ii) the amount which is necessary (or would have been necessary) to bring the institution into compliance with all capital standards applicable with respect to such institution as of the time it fails to comply with the plan. If a depository institution fails to submit an acceptable plan, it is treated as if it is “significantly undercapitalized.” Significantly undercapitalized” depository institutions may be subject to a number of requirements and restrictions, including orders to sell sufficient voting stock to become “adequately capitalized,” requirements to reduce total assets, and cessation of receipt of deposits from correspondent banks. “Critically undercapitalized” institutions are subject to the appointment of a receiver or conservator.

 

The appropriate federal banking agency may, under certain circumstances, reclassify a well-capitalized insured depository institution as adequately capitalized. The FDI Act provides that an institution may be reclassified if the appropriate federal banking agency determines (after notice and opportunity for hearing) that the institution is in an unsafe or unsound condition or deems the institution to be engaging in an unsafe or unsound practice.

 

The appropriate agency is also permitted to require an adequately capitalized or undercapitalized institution to comply with the supervisory provisions as if the institution were in the next lower category (but not treat a significantly undercapitalized institution as critically undercapitalized) based on supervisory information other than the capital levels of the institution.

 

As of December 31, 2022, the Bank was “well capitalized” based on the aforementioned ratios.

 

Liquidity Requirements

 

We require cash to fund loans, satisfy our obligations under the Bank’s letters of credit, meet the deposit withdrawal demands of the Bank’s customers, and satisfy our other monetary obligations. To the extent that deposits are not adequate to fund these requirements, we can rely on the funding sources identified in Item 2 of this Annual Report under the heading, “Liquidity Management”. As of December 31, 2022, the Bank had $23.5 million available through unsecured and secured lines of credit with correspondent banks, $25.4 million available through a secured line of credit with the Fed Discount Window and approximately $63.5 million available through the Federal Home Loan Bank (“FHLB”). Management is not aware of any demands, commitments, events or uncertainties that are likely to materially affect our ability to meet our future liquidity requirements.          

 

Deposit Insurance

 

The Bank is a member of the FDIC and pays an insurance premium to the FDIC based upon its assessable deposits on a quarterly basis. Deposits are insured up to applicable limits by the FDIC and such insurance is backed by the full faith and credit of the United States Government. Deposits are insured by the FDIC through the Deposit Insurance Fund (the “DIF”) and such insurance is backed by the full faith and credit of the United States Government. Under the Dodd-Frank Act, a permanent increase in deposit insurance to $250,000 was authorized. The coverage limit is per depositor, per insured depository institution for each account ownership category.

 

The Federal Deposit Insurance Reform Act of 2005, which created the DIF, gave the FDIC greater latitude in setting the assessment rates for insured depository institutions which could be used to impose minimum assessments. The FDIC has the flexibility to adopt actual rates that are higher or lower than the total base assessment rates adopted without notice and comment, if certain conditions are met.

 

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The Dodd-Frank Act also set a new minimum DIF reserve ratio at 1.35% of estimated insured deposits. The FDIC was required to attain this ratio by September 30, 2020. The Dodd-Frank Act required the FDIC to redefine the deposit insurance assessment base for an insured depository institution. As redefined pursuant to the Dodd-Frank Act, an institution’s assessment base is now an amount equal to the institution’s average consolidated total assets during the assessment period minus average tangible equity. Institutions with less than $1.0 billion in assets at the end of a fiscal quarter, like the Bank, are permitted to report their average consolidated total assets on a weekly basis (rather than on a daily basis) and to report their average tangible equity on an end-of-quarter balance (rather than on an end-of-month balance).

 

The Bank expensed $180,196 and $306,123 in FDIC insurance premiums, including FICO assessments and net of the credit, in 2022 and 2021, respectively. The decrease from 2021 to 2022 was due primarily to the increase in the Bank’s regulatory liquidity ratio.

 

The FDIC is authorized to conduct examinations of and require reporting by FDIC-insured institutions. It is also authorized to terminate a depository bank’s deposit insurance upon a finding by the FDIC that the bank’s financial condition is unsafe or unsound or that the institution has engaged in unsafe or unsound practices or has violated any applicable rule, regulation, order or condition enacted or imposed by the bank’s regulatory agency. The termination of deposit insurance would have a material adverse effect on our earnings, operations and financial condition.

 

Bank Secrecy Act/Anti-Money Laundering

 

The Bank Secrecy Act (“BSA”), which is intended to require financial institutions to develop policies, procedures, and practices to prevent and deter money laundering, mandates that every insured depository institution have a written, board-approved program that is reasonably designed to assure and monitor compliance with the BSA.

 

The program must, at a minimum: (i) provide for a system of internal controls to assure ongoing compliance; (ii) provide for independent testing for compliance; (iii) designate an individual responsible for coordinating and monitoring day-to-day compliance; and (iv) provide training for appropriate personnel. In addition, state-chartered banks are required to adopt a customer identification program as part of its BSA compliance program. State-chartered banks are also required to file Suspicious Activity Reports when they detect certain known or suspected violations of federal law or suspicious transactions related to a money laundering activity or a violation of the BSA.

 

In addition to complying with the BSA, the Bank is subject to the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (the “USA Patriot Act”). The USA Patriot Act is designed to deny terrorists and criminals the ability to obtain access to the United States’ financial system and has significant implications for depository institutions, brokers, dealers, and other businesses involved in the transfer of money. The USA Patriot Act mandates that financial service companies implement additional policies and procedures and take heightened measures designed to address any or all of the following matters: customer identification programs, money laundering, terrorist financing, identifying and reporting suspicious activities and currency transactions, currency crimes, and cooperation between financial institutions and law enforcement authorities.

 

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Mortgage Lending and Servicing

 

The Bank’s mortgage lending and servicing activities are subject to various laws and regulations that are enforced by the federal banking regulators and the CFPB, such as the Truth in Lending Act, the Real Estate Settlement Procedures Act, and various rules adopted thereunder, including those relating to consumer disclosures, appraisal requirements, mortgage originator compensation, prohibitions on mandatory arbitration provisions under certain circumstances, and the obligation to credit payments and provide payoff statements within certain time periods and provide certain notices prior to interest rate and payment adjustments.

 

The Bank is required to make a reasonable and good faith determination based on verified and documented information that a consumer applying for a mortgage loan has a reasonable ability to repay the loan according to its terms. Qualified mortgages that that are not “higher-priced” are afforded a safe harbor presumption of compliance with the ability to repay rules, while qualified mortgages that are “higher-priced” garner a rebuttable presumption of compliance with the ability to repay rules. In general, a “qualified mortgage” is a mortgage loan without negative amortization, interest-only payments, balloon payments, or a term exceeding 30 years, where the lender determines that the borrower has the ability to repay, and where the borrower’s points and fees do not exceed 3% of the total loan amount. “Higher-priced” mortgages must have escrow accounts for taxes and insurance and similar recurring expenses.

 

Consumer Lending – Military Lending Act

 

The Military Lending Act (the “MLA”), which was initially implemented in 2007, was amended and its coverage significantly expanded in 2015. The Department of Defense (the “DOD”) issued a final rule under the MLA that took effect on October 15, 2015, but financial institutions were not required to take action until October 3, 2016. The types of credit covered under the MLA were expanded to include virtually all consumer loan and credit card products (except for loans secured by residential real property and certain purchase-money motor vehicle/personal property secured transactions). Lenders must now provide specific written and oral disclosures concerning the protections of the MLA to active duty members of the military and dependents of active duty members of the military (“covered borrowers”). The rule imposes a 36% “Military Annual Percentage Rate” cap that includes costs associated with credit insurance premiums, fees for ancillary products, finance charges associated with the transactions, and application and participation charges. In addition, loan terms cannot include (i) a mandatory arbitration provision, (ii) a waiver of consumer protection laws, (iii) mandatory allotments from military benefits, or (iv) a prepayment penalty. The revised rule also prohibits “roll-over” or refinances of the same loan unless the new loan provides more favorable terms for the covered borrower. Lenders may verify covered borrower status using a DOD database or information provided by credit bureaus. We believe that we are in compliance with the revised rule.

 

Cybersecurity

 

We rely on electronic communications and information systems to conduct our operations and store sensitive data. We employ an in-depth approach that leverages people, processes, and technology to manage and maintain cybersecurity controls. In addition, we employ a variety of preventative and detective tools to monitor, block, and provide alerts regarding suspicious activity, as well as to report on any suspected advanced persistent threats. Notwithstanding the strength of our defensive measures, the threat from cyber-attacks is severe, attacks are sophisticated and increasing in volume, and attackers respond rapidly to changes in defensive measures.

 

The federal banking regulators have adopted guidelines for establishing information security standards and cybersecurity programs for implementing safeguards under the supervision of a financial institution’s board of directors. These guidelines, along with related regulatory materials, increasingly focus on risk management and processes related to information technology and the use of third parties in the provision of financial products and services. The federal banking regulators expect financial institutions to establish lines of defense and to ensure that their risk management processes address the risk posed by compromised customer credentials, and also expect financial institutions to maintain sufficient business continuity planning processes to ensure rapid recovery, resumption and maintenance of the institution’s operations after a cyberattack. If we fail to meet the expectations set forth in this regulatory guidance, then we could be subject to various regulatory actions and we may be required to devote significant resources to any required remediation efforts.

 

Laws Related to the Insurance Subsidiary

 

The Insurance Subsidiary is treated as a separate legal entity for state law purposes and is licensed and supervised by the Tennessee Department of Commerce and Insurance as a series protected cell of a protected cell captive insurance company. Tennessee insurance law requires a protected cell to possess and maintain unimpaired paid-in capital and surplus of at least $25,000, and the Tennessee Department of Commerce and Insurance has the authority to prescribe additional requirements based on the type, volume and nature of insurance business to be conducted. No captive insurance company may pay a dividend out of, or other distribution with respect to, capital or surplus without the prior approval of the Tennessee Department of Commerce and Insurance.

 

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The Insurance Subsidiary was formed with the intention that it be treated as a “captive insurance company” by the Internal Revenue Service (the “IRS”) so that, among other things, some or all of the premiums that we pay to the Insurance Subsidiary will be deductible as trade or business expenses. Because of the significant tax benefits that can be realized through the operation of a captive insurance company, the IRS has recently focused significant attention on these arrangements to ensure that they are not simply a disguise for self-insurance. Amounts paid to the Insurance Subsidiary are deductible only if they constitute “insurance premiums” under the IRC. The federal courts and the IRS have concluded that amounts paid to an insurance company will be deemed insurance premiums only if the arrangement under which those amounts were paid evidences an appropriate level of both “risk shifting” and “risk distribution.”

 

Moreover, our tax planning assumes that the Insurance Company will have made an effective election under Section 831(b) of the IRC for each taxable year in which it receives a premium so that it will be taxed only on its investment income (and not also on its premium income) generated in that year. A Section 831(b) election for a taxable year is available only if (i) the insurance company’s net written premiums (or, if greater, direct written premiums) for the year do not exceed $2.3 million and (ii) either (a) no more than 20% of the written premiums (net or direct, as applicable) for the year is attributable to any single insured or (b) the insurance company satisfies certain ownership diversification requirements specified in Section 831(b)(2)(B)(i)(II) of the IRC.

 

The laws governing these arrangements are complicated and the positions taken by the IRS with respect to these laws and arrangements evolve and are subject to change. For additional information, see the risk factors entitled “We may not achieve the expected benefits from the Insurance Subsidiary” and “Certain of our U.S. consolidated federal income tax returns are currently being audited” in Item 1A of this annual report under the heading “Risks Relating to the Company and its Affiliates”.

 

SEC Regulation

 

The shares of the Company’s common stock are registered with the SEC under Section 12(g) of the Exchange Act and the Company is subject to the information reporting requirements, proxy solicitation requirements, insider trading restrictions and other requirements of the Exchange Act, including the requirements imposed under the federal Sarbanes-Oxley Act of 2002. Among other things, loans to and other transactions with insiders are subject to restrictions and heightened disclosure.

 

Governmental Monetary and Credit Policies and Economic Controls

 

The earnings and growth of the banking industry and ultimately of the Bank are affected by the monetary and credit policies of governmental authorities, including the Federal Reserve. An important function of the Federal Reserve is to regulate the national supply of bank credit in order to control recessionary and inflationary pressures. Among the instruments of monetary policy used by the Federal Reserve to implement these objectives are open market operations in U.S. Government securities, changes in the federal funds rate, changes in the discount rate of member bank borrowings, and changes in reserve requirements against member bank deposits. These means are used in varying combinations to influence overall growth of bank loans, investments and deposits and may also affect interest rates charged on loans or paid on deposits. The monetary policies of the Federal Reserve authorities have had a significant effect on the operating results of commercial banks in the past and are expected to continue to have such an effect in the future. In view of changing conditions in the national economy and in the money markets, as well as the effect of actions by monetary and fiscal authorities, including the Federal Reserve, no prediction can be made as to possible future changes in interest rates, deposit levels, loan demand or their effect on our businesses and earnings.

 

Employees

 

As of December 31, 2022, we employed 90 individuals, of whom 87 were full-time employees.

 

Available Information

 

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. Our SEC filings are also available to the public from the SEC's Internet site at http://www.sec.gov. The information on, or accessible through, these websites is not part of, or incorporated by reference into, this Annual Report on Form 10-K or any other document we that file with or furnish to the SEC.

 

ITEM 1A.         RISK FACTORS.

 

The significant risks and uncertainties related to us, our business and our securities of which we are aware are discussed below. You should carefully consider these risks and uncertainties before making investment decisions in respect of our securities. Any of these factors could materially and adversely affect our business, financial condition, operating results and prospects and could negatively impact the market price of our securities. If any of these risks materialize, you could lose all or part of your investment in the Company. Additional risks and uncertainties that we do not yet know of, or that we currently think are immaterial, may also impair our business operations. You should also consider the other information contained in this annual report, including our financial statements and the related notes, before making investment decisions in respect of our securities.

 

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Risks Relating to the Operations of the Company and its Affiliates

 

The Company’s future success depends on the successful growth of its subsidiaries.

 

The Company’s primary business activity for the foreseeable future will be to act as the holding company of the Bank and the Insurance Subsidiary. Therefore, the Company’s future profitability will depend on the success and growth of these subsidiaries.

 

We could be adversely affected by risks associated with future acquisitions and expansions.

 

Although our core growth strategy has historically focused around organic growth, we may from time to time consider acquisition and expansion opportunities involving a bank or other entity operating in the financial services industry. We cannot predict if or when we will engage in strategic transactions, or the nature or terms of any such transactions. To the extent that we grow through an acquisition, we cannot assure investors that we will be able to adequately and profitably manage that growth or that an acquired business will be integrated into our existing businesses as efficiently or as timely as we may anticipate. Acquiring another business would generally involve risks commonly associated with acquisitions, including:

 

 

•

increased capital needs;
 

•

increased and new regulatory and compliance requirements;
 

•

implementation or remediation of controls, procedures and policies with respect to the acquired business;
 

•

diversion of management time and focus from operation of our then-existing business to acquisition-integration challenges;
 

•

coordination of product, sales, marketing and program and systems management functions;
 

•

transition of the acquired business’s users and customers onto our systems;
 

•

retention of employees from the acquired business;
 

•

integration of employees from the acquired business into our organization;
 

•

integration of the acquired business’s accounting, information management, human resources and other administrative systems and operations with ours;
 

•

potential liability for activities of the acquired business prior to the acquisition, including violations of law, commercial disputes and tax and other known and unknown liabilities;
 

•

potential increased litigation or other claims in connection with the acquired business, including claims brought by regulators, terminated employees, customers, former stockholders, vendors, or other third parties; and
 

•

potential goodwill impairment.

 

Our failure to execute on our acquisition strategy could adversely affect our business, results of operations, financial condition and future prospects risks of unknown or contingent liabilities.

 

The majority of our business is concentrated in Maryland, much of which involves real estate lending, so a decline in the real estate and credit markets could materially and adversely impact our financial condition and results of operations.

 

Most of the Bank’s loans are made to borrowers located in Maryland, and many of these loans, including construction and land development loans, are secured by real estate. At December 31, 2022, approximately 5%, or $24 million, of our total loans were real estate acquisition, construction and development loans that were secured by real estate. Accordingly, a decline in local economic conditions would likely have an adverse impact on our financial condition and results of operations, and the impact on us would likely be greater than the impact felt by larger financial institutions whose loan portfolios are geographically diverse. We cannot guarantee that any risk management practices we implement to address our geographic and loan concentrations will be effective to prevent losses relating to our loan portfolio.

 

The Bank’s concentrations of commercial real estate loans could subject it to increased regulatory scrutiny and directives, which could force us to preserve or raise capital and/or limit future commercial lending activities.

 

The federal banking regulators believe that institutions with particularly high concentrations of commercial real estate (“CRE”) loans in their lending portfolios face a heightened risk of financial difficulties in the event of adverse changes in the economy and CRE markets. Accordingly, through published guidance, these regulators have directed institutions whose concentrations exceed certain percentages of capital to implement heightened risk management practices appropriate to their concentration risk. The guidance provides that banking regulators may require such institutions to reduce their concentrations and/or maintain higher capital ratios than institutions with lower concentrations in CRE. At December 31, 2022, our CRE concentrations were above the heightened risk management thresholds set forth in this guidance. No assurance can be given that the Company’s enhanced risk management practices and monitoring controls will be effective.

 

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The Bank may experience loan losses in excess of its allowance, which would reduce our earnings.

 

The risk of credit losses on loans varies with, among other things, general economic conditions, the type of loans being made, the creditworthiness of the borrowers over the term of the loans and, in the case of collateralized loans, the value and marketability of the collateral for the loans. Management of the Bank maintains an allowance for loan losses based upon, among other things, historical experience, an evaluation of economic conditions and regular reviews of delinquencies and loan portfolio quality. Based upon such factors, management makes various assumptions and judgments about the ultimate collectability of the loan portfolio and provides an allowance for loan losses based upon a percentage of the outstanding balances and for specific loans when their ultimate collectability is considered questionable. If management’s assumptions and judgments prove to be incorrect and the allowance for loan losses is inadequate to absorb future losses, or if the bank regulatory authorities require us to increase the allowance for loan losses as a part of its examination process, our earnings and capital could be significantly and adversely affected. Although management continually monitors our loan portfolio and makes determinations with respect to the allowance for loan losses, future adjustments may be necessary if economic conditions differ substantially from the assumptions used or adverse developments arise with respect to our non-performing or performing loans. Material additions to the allowance for loan losses could result in a material decrease in our net income and capital, and could have a material adverse effect on our financial condition.

 

We depend on the accuracy and completeness of information about customers and counterparties, and inaccurate, incomplete or misleading information provided to us by these persons could cause us to suffer losses.

 

In deciding whether to extend credit or enter into other transactions, we rely on information furnished by or on behalf of customers and counterparties, including financial statements, credit reports and other financial information. We also rely on representations of those customers, counterparties or other third parties, such as independent auditors, as to the accuracy and completeness of that information. Reliance on inaccurate or misleading financial statements, credit reports or other financial information could have a material adverse impact on our business, financial condition and results of operations.

 

Our accounting estimates and risk management processes rely on analytical and forecasting models, the inadequacy of which could have a material adverse effect on our financial condition and/or results of operations.

 

The processes we use to estimate our expected credit losses and to measure the fair value of financial instruments, as well as the processes used to estimate the effects of changing interest rates and other market measures on our financial condition and results of operations, depends upon the use of analytical and forecasting models. These models reflect assumptions that may not be accurate, particularly in times of market stress or other unforeseen circumstances. Even if these assumptions are adequate, the models may prove to be inadequate or inaccurate because of other flaws in their design or their implementation, including flaws caused by failures in controls, data management, human error or from the reliance on technology. If the models we use for interest rate risk and asset-liability management are inadequate, we may incur increased or unexpected losses upon changes in market interest rates or other market measures. If the models we use for estimating our expected credit losses are inadequate, the allowance for credit losses may not be sufficient to support future charge-offs. If the models we use to measure the fair value of financial instruments are inadequate, the fair value of such financial instruments may fluctuate unexpectedly or may not accurately reflect what we could realize upon sale or settlement of such financial instruments. Any such failure in our analytical or forecasting models could have a material adverse effect on our business, financial condition and results of operations.

 

Interest rates and other economic conditions will impact our results of operations.

 

Our net income depends primarily upon our net interest income. Net interest income is the difference between interest income earned on loans, investments and other interest-earning assets and the interest expense incurred on deposits and borrowed funds. The level of net interest income is primarily a function of the average balance of our interest-earning assets, the average balance of our interest-bearing liabilities, and the spread between the yield on such assets and the cost of such liabilities. These factors are influenced by both the pricing and mix of our interest-earning assets and our interest-bearing liabilities which, in turn, are impacted by such external factors as the local economy, competition for loans and deposits, the monetary policy of the Federal Open Market Committee of the Federal Reserve Board of Governors, and market interest rates.

 

Different types of assets and liabilities may react differently, and at different times, to changes in market interest rates. We expect that we will periodically experience gaps in the interest rate sensitivities of our assets and liabilities. That means either our interest-bearing liabilities will be more sensitive to changes in market interest rates than our interest-earning assets, or vice versa. When interest-bearing liabilities mature or re-price more quickly than interest-earning assets, an increase in market rates of interest could reduce our net interest income. Likewise, when interest-earning assets mature or re-price more quickly than interest-bearing liabilities, falling interest rates could reduce our net interest income. We are unable to predict changes in market interest rates, which are affected by many factors beyond our control, including inflation, deflation, recession, unemployment, money supply, domestic and international events and changes in the United States and other financial markets.

 

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We also attempt to manage risk from changes in market interest rates, in part, by controlling the mix of interest rate sensitive assets and interest rate sensitive liabilities. However, interest rate risk management techniques are not exact. A rapid increase or decrease in interest rates could adversely affect our results of operations and financial performance.

 

Changes to LIBOR may adversely impact the value of, and the return on, our loans, investment securities and derivatives which are indexed to LIBOR.

 

We have certain loans indexed to LIBOR to calculate the loan interest rate. On July 27, 2017, the United Kingdom Financial Conduct Authority, which regulates LIBOR, announced that it will no longer persuade or compel banks to submit rates for the calculation of LIBOR to the LIBOR administrator after 2023. The announcement also indicates that the continuation of LIBOR on the current basis cannot and will not be guaranteed after 2023. Consequently, at this time, it is not possible to predict whether and to what extent banks will continue to provide LIBOR submissions to the LIBOR administrator or whether any additional reforms to LIBOR may be enacted in the United Kingdom or elsewhere. Similarly, it is not possible to predict whether LIBOR will continue to be viewed as an acceptable benchmark for certain loans and liabilities including our subordinated notes, what rate or rates may become accepted alternatives to LIBOR or the effect of any such changes in views or alternatives on the values of the loans and liabilities, whose interest rates are tied to LIBOR. Uncertainty as to the nature of such potential changes, alternative reference rates, the elimination or replacement of LIBOR, or other reforms may adversely affect the value of, and the return on our loans, and our investment securities.

 

A new accounting standard will likely require us to increase our allowance for loan losses and may have a material adverse effect on our financial condition and results of operations.

 

The Financial Accounting Standards Board (the “FASB”) has adopted a new accounting standard that will be effective for the Company beginning with our first full fiscal year ending after December 15, 2022. This standard, referred to as Current Expected Credit Loss, or CECL, will require financial institutions to determine periodic estimates of lifetime expected credit losses on loans, and recognize the expected credit losses as allowances for loan losses. This standard will change the current method of providing allowances for loan losses that are probable, which would likely require us to increase our allowance for loan losses, and to greatly increase the types of data we would need to collect and review to determine the appropriate level of the allowance for loan losses. Any increase in our allowance for loan losses or expenses incurred to determine the appropriate level of the allowance for loan losses may have a material adverse effect on our financial condition and results of operations.

 

The market value of our investments could decline.

 

As of December 31, 2022, investment securities in our investment portfolio having a cost basis of $149.9 million and a market value of $126.3 million were classified as available-for-sale pursuant to FASB Accounting Standards Codification (“ASC”) Topic 320, Investments – Debt and Equity Securities, relating to accounting for investments. Topic 320 requires that unrealized gains and losses in the estimated value of the available-for-sale portfolio be “marked to market” and reflected as a separate item in stockholders’ equity (net of tax) as accumulated other comprehensive gain or loss. There can be no assurance that future market performance of our investment portfolio will enable us to realize income from sales of securities. Stockholders’ equity will continue to reflect the unrealized gains and losses (net of tax) of these investments. Moreover, there can be no assurance that the market value of our investment portfolio will not decline, causing a corresponding decline in stockholders’ equity.

 

Management believes that several factors could affect the market value of our investment portfolio. These include, but are not limited to, changes in interest rates or expectations of changes, the degree of volatility in the securities markets, inflation rates or expectations of inflation and the slope of the interest rate yield curve (the yield curve refers to the differences between shorter-term and longer-term interest rates; a positively sloped yield curve means shorter-term rates are lower than longer-term rates). Also, the passage of time will affect the market values of our investment securities, in that the closer they are to maturing, the closer the market price should be to par value. These and other factors may impact specific categories of the portfolio differently, and management cannot predict the effect these factors may have on any specific category.

 

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Impairment of investment securities or deferred tax assets could require charges to earnings, which could result in a negative impact on our results of operations.

 

In assessing whether the impairment of investment securities is other-than-temporary, management considers the length of time and extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability to retain our investment in the security for a period of time sufficient to allow for any anticipated recovery in fair value in the near term. See the discussion under the heading “Application of Critical Accounting Policies” in Item 7 of Part II of this annual report for further information.

 

In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. Assessing the need for, or the sufficiency of, a valuation allowance requires management to evaluate all available evidence, both negative and positive, including the recent trend of quarterly earnings. Positive evidence necessary to overcome the negative evidence includes whether future taxable income in sufficient amounts and character within the carryback and carry forward periods is available under the tax law, including the use of tax planning strategies. When negative evidence (e.g., cumulative losses in recent years, history of operating loss or tax credit carry forwards expiring unused) exists, more positive evidence than negative evidence will be necessary. At December 31, 2022, our net deferred tax assets were valued at $8.4 million.

 

The impact of each of these impairment matters could have a material adverse effect on our business, results of operations, and financial condition.

 

We operate in a competitive environment, and our inability to effectively compete could adversely and materially impact our financial condition and results of operations.

 

We operate in a competitive environment, competing for loans, deposits, and customers with commercial banks, savings associations and other financial entities. Competition for deposits comes primarily from other commercial banks, savings associations, credit unions, money market and mutual funds and other investment alternatives. Competition for loans comes primarily from other commercial banks, savings associations, mortgage banking firms, credit unions and other financial intermediaries. Competition for other products, such as securities products, comes from other banks, securities and brokerage companies, and other non-bank financial service providers in our market area. Many of these competitors are much larger in terms of total assets and capitalization, have greater access to capital markets, and/or offer a broader range of financial services than those that we offer. In addition, banks with a larger capitalization and financial intermediaries not subject to bank regulatory restrictions have larger lending limits and are thereby able to serve the needs of larger customers.

 

In addition, changes to the banking laws over the last several years have facilitated interstate branching, merger and expanded activities by banks and holding companies. For example, the federal Gramm-Leach-Bliley Act revised the BHC Act and repealed the affiliation provisions of the Glass-Steagall Act of 1933, which, taken together, limited the securities and other non-banking activities of any company that controls an FDIC insured financial institution. As a result, the ability of financial institutions to branch across state lines and the ability of these institutions to engage in previously-prohibited activities are now accepted elements of competition in the banking industry. These changes may bring us into competition with more and a wider array of institutions, which may reduce our ability to attract or retain customers. Management cannot predict the extent to which we will face such additional competition or the degree to which such competition will impact our financial conditions or results of operations.

 

The banking industry is heavily regulated; significant regulatory changes could adversely affect our operations.

 

Our operations will be impacted by current and future legislation and by the policies established from time to time by various federal and state regulatory authorities. The Company is subject to supervision by the Federal Reserve. The Bank is subject to supervision and periodic examination by the Maryland Commissioner and the FDIC. The Insurance Subsidiary is subject to supervision and periodic examination by the Tennessee Insurance Department. Banking regulations, designed primarily for the safety of depositors, and insurance regulations, designed primarily for the safety of insureds, may limit a financial institution’s growth and the return to its investors by restricting such activities as the payment of dividends, mergers with or acquisitions by other institutions, investments, loans and interest rates, interest rates paid on deposits, expansion of branch offices, and the offering of securities or trust services. The Company and the Bank are also subject to capitalization guidelines established by federal law and the Insurance Subsidiary is subject to capitalization guidelines established by Tennessee law, and could be subject to enforcement actions to the extent that they are found by regulatory examiners to be undercapitalized. It is not possible to predict what changes, if any, will be made to existing federal and state legislation and regulations or the effect that such changes may have on our future business and earnings prospects. Management also cannot predict the nature or the extent of the effect on our business and earnings of future fiscal or monetary policies, economic controls, or new federal or state legislation. Further, the cost of compliance with regulatory requirements may adversely affect our ability to operate profitably.

 

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The Consumer Financial Protection Bureau may continue to reshape the consumer financial laws through rulemaking and enforcement of the prohibitions against unfair, deceptive and abusive business practices. Compliance with any such change may impact our business operations.

 

The CFPB has broad rulemaking authority to administer and carry out the provisions of the Dodd-Frank Act with respect to financial institutions that offer covered financial products and services to consumers. The CFPB has also been directed to adopt rules identifying practices or acts that are unfair, deceptive or abusive in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. The concept of what may be considered to be an “abusive” practice is fluid and can change based on politically-appointed leadership at the CFPB. The full scope of the impact of this authority has not yet been determined as the CFPB has not yet released significant supervisory guidance. Any new rules adopted by the CFPB could require the Bank to dedicate significant personnel resources and could have a material adverse effect on our operations.

 

Bank regulators and other regulations, including the Basel III Capital Rules, may require higher capital levels, impacting our ability to pay dividends or repurchase our stock.

 

The capital standards to which we are subject, including the standards created by the Basel III Capital Rules, may materially limit our ability to use our capital resources and/or could require us to raise additional capital by issuing common stock. The issuance of additional shares of common stock could dilute existing stockholders.

 

A material weakness or significant deficiency in our disclosure or internal controls could have an adverse effect on us.

 

The Company is required by the Sarbanes-Oxley Act of 2002 to establish and maintain disclosure controls and procedures and internal control over financial reporting. These control systems are intended to provide reasonable assurance that material information relating to the Company is made known to our management and reported as required by the Exchange Act, to provide reasonable assurance regarding the reliability and preparation of our financial statements, and to provide reasonable assurance that fraud and other unauthorized uses of our assets are detected and prevented. We may not be able to maintain controls and procedures that are effective at the reasonable assurance level. If that were to happen, our ability to provide timely and accurate information about the Company, including financial information, to investors could be compromised and our results of operations could be harmed. Moreover, if the Company or its independent registered public accounting firm were to identify a material weakness or significant deficiency in any of those control systems, our reputation could be harmed and investors could lose confidence in us, which could cause the market price of the Company’s stock to decline and/or limit the trading market for the common stock.

 

Customer concern about deposit insurance may cause a decrease in deposits held at the Bank.

 

Due to the large number of bank failures that have occurred since the 2008 recession, banking customers across the country have become increasingly concerned about the extent to which their deposits are insured by the FDIC. This concern could cause the Bank’s customers to withdraw deposits from the Bank in an effort to ensure that the amount they have on deposit with us is fully-insured. Because the Bank relies heavily on deposits to fund loans and purchase other interest-earning assets, a decrease in deposits could have a materially adverse effect on our funding costs and net income.

 

The Bank’s funding sources may prove insufficient to replace deposits and support our future growth.

 

The Bank relies on customer deposits, advances from the FHLB, lines of credit at other financial institutions and brokered funds to fund our operations. Although the Bank has historically been able to replace maturing deposits and advances if desired, no assurance can be given that the Bank would be able to replace such funds in the future if our financial condition or the financial condition of the FHLB or market conditions were to change. Our financial flexibility will be severely constrained and/or our cost of funds will increase if we are unable to maintain our access to funding or if financing necessary to accommodate future growth is not available at favorable interest rates. Finally, if we are required to rely more heavily on more expensive funding sources to support future growth, our revenues may not increase proportionately to cover our costs. In that case, our profitability would be adversely affected.

 

We may need to raise additional capital in the future, and such capital may not be available when needed or at all.

 

The Company may need to raise additional capital in the future to provide it with sufficient capital resources and liquidity to meet our commitments and business needs including complying with new regulatory capital rules, particularly if its asset quality or earnings were to deteriorate significantly. Our ability to raise additional capital, if needed, will depend on, among other things, conditions in the capital markets at that time, which are outside of its control, and its financial condition. Economic conditions and the loss of confidence in financial institutions may limit access to certain customary sources of capital, and increase the Bank’s cost of raising capital. No assurance can be given that such capital will be available on acceptable terms or at all. Any occurrence that may limit our access to the capital markets, such as a decline in the confidence of depositors, investors or counterparties participating in the capital markets may adversely affect our capital costs and our ability to raise capital and, in turn, our liquidity. Moreover, if we need to raise capital in the future, we may have to do so when many other financial institutions are also seeking to raise capital and would have to compete with those institutions for investors. An inability to raise additional capital on acceptable terms as and when needed could have a materially adverse effect on our business, financial condition and results of operations.

 

- 16 -
 

 

The Bank’s lending activities subject the Bank to the risk of environmental liabilities.

 

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

 

We may be subject to claims and the costs of defensive actions, and such claims and costs could materially and adversely impact our financial condition and results of operations.

 

Our customers may sue us for losses due to alleged breaches of fiduciary duties, errors and omissions of employees, officers and agents, incomplete documentation, our failure to comply with applicable laws and regulations, or many other reasons. Also, our employees may knowingly or unknowingly violate laws and regulations. Management may not be aware of any violations until after their occurrence. This lack of knowledge may not insulate us from liability. Claims and legal actions will result in legal expenses and could subject us to liabilities that may reduce our profitability and hurt our financial condition.

 

We may not be able to keep pace with developments in technology.

 

We use various technologies in conducting our businesses, including telecommunication, data processing, computers, automation, internet-based banking, and debit cards. The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services. Our future success depends, in part, on our ability to address the needs of our customers by using technology to provide products and services that will satisfy customer demands, as well as to create additional efficiencies in our operations. Many of our competitors have substantially greater resources to invest in technological improvements. We may not be able to effectively implement new technology driven products and services or be successful in marketing these products and services to our customers. In addition, our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively. In addition, cloud technologies are also critical to the operation of our systems, and our reliance on cloud technologies is growing. Failure to successfully keep pace with technological change affecting the financial services industry could have a material adverse effect on our business, financial condition and results of operations.

 

Our information systems may experience an interruption or a breach in security, including due to cyber-attacks.

 

Our business depends heavily on the use of computer systems, the Internet and other means of electronic communication and recordkeeping. In the ordinary course of business, we collect and store sensitive data, including proprietary business information and personally identifiable information of our customers and employees in systems and on networks. Moreover, we use third party vendors to provide products and services necessary to conduct our day-to-day operations, which exposes us to the risk that these vendors will not perform in accordance with the service arrangements, including by failing to protect the confidential information we entrust to them. The secure processing, maintenance, and use of our and our customers’ information is critical to our operations and business strategy. Any failure, interruption, or breach in security or operational integrity of our communications or operations systems could result in failures or disruptions in our customer relationship management, general ledger, deposit, loan, and other systems. Although we have invested in various technologies and continually review processes and practices that are designed to protect our networks, computers, and data from damage or unauthorized access, our computer systems and infrastructure, and those of our third-party vendors, may nevertheless be vulnerable to attacks by hackers or breached due to employee error, malfeasance, or other disruptions. Further, cyber-attacks can originate from a variety of sources and the techniques used are increasingly sophisticated. A breach of any kind could compromise our systems and those of our vendors, and the information stored there could be accessed, damaged, or disclosed. A breach in security or other failure could result in legal claims, regulatory penalties, disruptions in operations, increased expenses, loss of customers and business partners, and damage to our reputation, which could in turn adversely affect our business, financial condition and/or results of operations. Furthermore, as cyber threats continue to evolve and increase, we may be required to expend significant additional financial and operational resources to modify or enhance our protective measures, or to investigate and remediate any identified information security vulnerabilities.

 

- 17 -
 

 

We may not achieve the expected benefits from the Insurance Subsidiary.

 

We formed the Insurance Subsidiary as a captive insurance company in late 2016 to insure or reinsure certain risks faced by the Bank as part of our enterprise-wide, multi-year insurance strategy to better position our risk programs and provide us with increased flexibility in the management of our insurance programs as well as contribute to efficiencies relating to our insurance programs over time. We may deviate from or change our insurance strategy from time to time, such as by choosing to not purchase insurance coverage through the Insurance Subsidiary for a particular year. If we do purchase insurance coverage through the Insurance Subsidiary, we may experience unanticipated events that could reduce or eliminate the benefits, both operational and financial, that we hope to realize through this entity, including, without limitation, significant insurance claims and/or changes in tax laws. In particular, we may not realize the tax benefits of owning a captive insurance company, which are discussed in the section of Item 1 of this annual report entitled “Supervision and Regulation” under the heading “Laws Related to the Insurance Subsidiary”. Although we believe that we have structured the Insurance Subsidiary’s operations to achieve these benefits, no assurance can be given that our efforts were or will be successful. If we are unable to achieve these benefits, then we will likely suspend the operations of the Insurance Subsidiary.

 

It should be noted that the operation by financial holding companies of captive insurance companies having a structure similar to the Insurance Subsidiary and FCBI is a relatively new development. If we are not able to successfully manage the Insurance Subsidiary, then our financial condition and/or results of operations could be materially and adversely impacted.

 

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

 

In April 2018, we were notified by 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 in 2016, 2017 and 2018, and we have appealed 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 could be required to pay taxes, interest, and penalties totaling approximately $3.0 million as of December 31, 2022 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 12 to the consolidated financial statements presented elsewhere in this report for further information about this risk.

 

In August 2022, the IRS notified us that our 2019 and 2020 U.S. consolidated federal tax returns had been selected for audit. In January 2023, the IRS notified us that our 2021 U.S. consolidated federal tax return had also been selected for audit. Management cannot predict whether any of the tax positions taken in our 2019, 2020 or 2021 returns will be challenged by the IRS or, if challenged, whether we will be successful in defending those tax positions. If we are not successful in defending a challenge, then we may be required to amend the applicable tax return and pay additional taxes, interest, fines and/or penalties 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.

 

- 18 -
 

 

The loss of key personnel could disrupt our operations and result in reduced earnings.

 

Our growth and profitability will depend upon our ability to attract and retain skilled managerial, marketing and technical personnel.  Competition for qualified personnel in the financial services industry is intense, and there can be no assurance that we will be successful in attracting and retaining such personnel.  Our current executive officers provide valuable services based on their many years of experience and in-depth knowledge of the banking industry and the market areas we serve.  Due to the intense competition for financial professionals, it might be difficult to find qualified replacements in the event that a key employee’s employment were to terminate, which could disrupt the continuity of operations and/or result in a reduction in earnings.  As reported in the Company’s Current Report on Form 8-K filed with the SEC on January 17, 2023, James R. Bosley, Jr., who has served as the President of the Bank for over 27 years, retired on December 31, 2022.  Gary A. Harris, the Bank’s Executive Vice President and Chief Lending Officer who has been with the Bank for over 15 years, was promoted to replace Mr. Bosley after an extensive search led by a national search firm.

 

We are a community bank and our ability to maintain our reputation is critical to the success of our business.

 

We are a community banking institution, and our reputation is one of the most valuable components of our business. A key component of our business strategy is to rely on our reputation for customer service and knowledge of local markets to expand our presence by capturing new business opportunities from existing and prospective customers in our current market and contiguous areas. As such, we strive to conduct our business in a manner that enhances our reputation. This is done, in part, by recruiting, hiring and retaining employees who share our core values of being an integral part of the communities we serve, delivering superior service to our customers and caring about our customers and associates. If our reputation is negatively affected by the actions of our employees, by our inability to conduct our operations in a manner that is appealing to current or prospective customers, or otherwise, our business and, therefore, our operating results may be materially adversely affected.

 

Risks Relating to Ownership of Our Common Stock

 

Our ability to pay dividends on the common stock is limited by applicable law, and the payment of dividends is at the discretion of our board of directors.

 

Because the Company is not engaged in any direct business activities, the Company expects to fund dividends, if and when declared by the Company’s board of directors, using cash received from the Bank and the Insurance Subsidiary. No assurance can be given that the Bank or the Insurance Subsidiary will be able to pay dividends to the Company for these purposes at times and/or in amounts requested by the Company. Both federal and Maryland laws impose restrictions on the ability of the Bank to pay dividends, and Tennessee law imposes restrictions on the Insurance Subsidiary’s ability to pay dividends. Further information about these limitations is contained in Item 5 of Part II of this annual report under the heading, “Market Price Analysis and Dividends”.

 

Notwithstanding the foregoing, stockholders must understand that the declaration and payment of dividends and the amounts thereof are at the discretion of the Company’s board of directors. Thus, even at times when the Company could pay cash dividends on its common stock, neither the payment of such dividends nor the amounts thereof can be guaranteed.

 

The shares of common stock are not insured.

 

The shares of our common stock are not deposits and are not insured against loss by the FDIC or any other governmental or private agency.

 

Our common stock is not heavily traded, and the stock price may fluctuate significantly.

 

Our common stock is not traded on any exchange. Certain brokers currently make a market in the common stock by trading shares in the over-the-counter market, but such transactions are infrequent and the volume of shares traded is relatively small. Management cannot predict whether these or other brokers will continue to make a market in our common stock. Prices on stock that is not heavily traded, such as our common stock, can be more volatile than stock trading in an active public market. Factors such as our financial results, the introduction of new products and services by us or our competitors, publicity regarding the banking industry, and various other factors affecting the banking industry may have a significant impact on the market price of the shares of our common stock. Likewise, events that are unrelated to the Company but that affect the equity markets generally, such as international health crises, wars, political instability and similar factors, could also have a significant impact on the market price and trading volume of the shares of common stock. Management also cannot predict the extent to which an active public market for our common stock will develop or be sustained in the future. Accordingly, stockholders may not be able to sell their shares of our common stock at the volumes, prices, or times that they desire.

 

- 19 -
 

 

The Company’s Articles of Incorporation and Bylaws and Maryland law may discourage a corporate takeover.

 

The Company’s Articles of Incorporation (the “Charter”) and Bylaws contain certain provisions designed to enhance the ability of the Company’s board of directors to deal with attempts to acquire control of the Company. First, the board of directors is classified into four classes. Directors of each class serve for staggered four-year periods, and no director may be removed except for cause, and then only by the affirmative vote of a majority of the outstanding voting stock. Second, the board has the authority to classify and reclassify unissued shares of stock of any class or series of stock by setting, fixing, eliminating, or altering in any one or more respects the preferences, rights, voting powers, restrictions and qualifications of, dividends on, and redemption, conversion, exchange, and other rights of, such securities. The board could use this authority, along with its authority to authorize the issuance of securities of any class or series, to issue shares having terms favorable to management to a person or persons affiliated with or otherwise friendly to management. In addition, the Bylaws require any stockholder who desires to nominate a director to abide by strict notice requirements.

 

Maryland laws include provisions that could discourage a sale or takeover of the Company. The Maryland Business Combination Act generally prohibits, subject to certain limited exceptions, corporations from being involved in any “business combination” (defined as a variety of transactions, including a merger, consolidation, share exchange, asset transfer or issuance or reclassification of equity securities) with any “interested stockholder” for a period of five years following the most recent date on which the interested shareholder became an interested stockholder. An interested stockholder is defined generally as a person who is the beneficial owner of 10% or more of the voting power of the outstanding voting stock of the corporation after the date on which the corporation had 100 or more beneficial owners of its stock or who is an affiliate or associate of the corporation and was the beneficial owner, directly or indirectly, of 10% percent or more of the voting power of the then outstanding stock of the corporation at any time within the two-year period immediately prior to the date in question and after the date on which the corporation had 100 or more beneficial owners of its stock. The Maryland Control Share Acquisition Act applies to acquisitions of “control shares”, which, subject to certain exceptions, are shares the acquisition of which entitle the holder, directly or indirectly, to exercise or direct the exercise of the voting power of shares of stock of the corporation in the election of directors within any of the following ranges of voting power: one-tenth or more, but less than one-third of all voting power; one-third or more, but less than a majority of all voting power or a majority or more of all voting power. Control shares have limited voting rights. Maryland banking law provides that the Maryland Commissioner must approve certain acquisitions of the common stock of the Company or the Bank, and this law imposes a mandatory five-year voting prohibition on shares that are acquired without the required approval.

 

Although these provisions do not preclude a takeover, they may have the effect of discouraging, delaying or deferring a tender offer or takeover attempt that a shareholder might consider in his or her best interest, including those attempts that might result in a premium over the market price for the common stock. Such provisions will also render the removal of the Company’s board of directors and of management more difficult and, therefore, may serve to perpetuate current management. These provisions could potentially adversely affect the market prices of the Company’s securities.

 

ITEM 1B.         UNRESOLVED STAFF COMMENTS

 

This Item 1B is not applicable because the Company is a “smaller reporting company”.

 

ITEM 2.         PROPERTIES

 

The Bank owns properties at which it operates branches at the following locations:

 

Main Office

15226 Hanover Pike

Upperco, MD 21155

Owings Mills Branch

9320 Lakeside Boulevard

Owings Mills, MD 21117

Eldersburg Branch

1321 Liberty Road

Eldersburg, MD 21784
     

Reisterstown Branch

25 Westminster Pike

Reisterstown, MD 21136

Westminster Branch

275 Clifton Boulevard

Westminster, MD 21157

  

  

The Bank’s book value investment in land and buildings at December 31, 2022 totaled $5.2 million or 1% of total assets. Other than for banking purposes, the Bank does not invest in real estate. For future expansion purposes, the Bank owns two properties adjacent to its main office at 15216 and 15218 Hanover Pike, Upperco, Maryland 21155. The properties presently consist of two lots, each with a single family residence. One property is rented on a month-to-month lease. The other property has not been rented since 2011. The total rental income for both properties for 2022 was $10,200.

 

There are no encumbrances on any of these properties. Management believes that all of its properties are adequately insured. In 2022 and 2021, the properties owned by the Bank in Baltimore County, Maryland were subject to state and county real estate taxes at a combined rate of 1.24%, and the property owned by the Bank in Carroll County, Maryland was subject to state, county and municipal real estate taxes at combined rate of 1.68%. The Bank expensed $85,379 and $91,830, respectively, in real estate taxes on these properties in 2022 and 2021.

 

- 20 -
 

 

The Bank operates under leases at the following properties:

 

Location

  

Square Feet

    

Current

Annual Rent

  

Lease Expiration

Greenmount In-Store Branch

2205 Hanover Pike

Hampstead, MD 21074

     709     $ 57,513  

1/31/2023 with option to renew for one consecutive five-year term
                   

Hampstead Branch

735 Hanover Pike

Hampstead, MD 21074

(Land lease)

     22,000     $ 57,730  

9/30/2024 with option to renew for five consecutive five-year terms
                   

Corporate Offices

4510 Lower Beckleysville Road

Suite H

Hampstead, MD 20174

     4,171     $ 48,404  

6/17/2025, with option to renew for three consecutive five-year terms
                   

Carroll Lutheran Village Branch

300 St. Luke Circle

Westminster, MD 21158

     1,024     $ 24,320  

5/15/2023, with option to renew for two consecutive five-year terms

 

Note 6 and Note 8 to the consolidated financial statements included elsewhere in this annual report contain additional information about the Bank’s premises and equipment.

 

ITEM 3.         LEGAL PROCEEDINGS

 

We are at times, in the ordinary course of business, subject to legal actions. Management, upon the advice of counsel, believes that losses, if any, resulting from current legal actions will not have a material adverse effect on our financial condition or results of operations

 

ITEM 4.         MINE SAFETY DISCLOSURES

 

Not applicable.

 

PART II

 

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

 

Market Price Analysis and Dividends

 

As of February 28, 2023, the shares of the Company’s common stock were held by approximately 467 stockholders of record. Although many trades occur through privately-negotiated transactions, the shares of the Company’s common stock are traded in the over-the-counter market by certain broker-dealers and price quotations are available through the OTC Markets Group’s OTC Pink Market (the “Pink Market”) under the symbol “FMFG”. Price quotations reported through the Pink Market reflect inter-dealer prices, without retail mark-up, mark-down, or commission, and may not necessarily represent actual transactions.

 

The Company’s ability to declare and pay dividends is limited by applicable laws. Subject to these laws, the payment of dividends is at the discretion of the Company’s board of directors, who considers such factors as operating results, financial condition, capital adequacy, regulatory requirements, and stockholder return. Maryland corporation laws prohibit the Company from paying dividends on our capital stock, including the common stock, unless, after giving effect to a proposed dividend, (i) we will be able to pay our debts as they come due in the normal course of business and (ii) our total assets will be greater than our total liabilities plus, unless our Charter permits otherwise, the amount that would be needed, if we were to be dissolved at the time of the dividend, to satisfy the preferential rights upon dissolution of shareholders whose preferential rights on dissolution are superior to those receiving the dividend. Notwithstanding our inability to pay dividends pursuant to item (ii) above, we may nevertheless pay dividends out of (a) our net earnings for the fiscal year in which the distribution is made, (b) our net earnings for the preceding fiscal year, or (c) the sum of our net earnings for the preceding eight fiscal quarters.

 

- 21 -
 

 

The Company’s ability to pay dividends will be largely dependent on its receipt of dividends from the Bank and/or the Insurance Subsidiary. Like the Company, the Bank’s ability to declare and pay dividends is subject to limitations imposed by federal and Maryland banking and Maryland corporation laws, and the Insurance Subsidiary’s ability to declare and pay dividends is subject to limitations imposed by Tennessee insurance laws.

 

Federal law prohibits the payment of a dividend by an insured depository institution if the depository institution is considered “undercapitalized” or if the payment of the dividend would make the institution “undercapitalized”. Maryland state-chartered banks may pay dividends only out of undivided profits or, with the prior approval of the Maryland Commissioner, from surplus in excess of 100% of required capital stock. If, however, the surplus of a Maryland bank is less than 100% of its required capital stock, then cash dividends may not be paid in excess of 90% of net earnings. In addition to these specific restrictions, bank regulatory agencies have the ability to prohibit a proposed dividend by a financial institution that would otherwise be permitted under applicable law if the regulatory body determines that the payment of the dividend would constitute an unsafe or unsound banking practice. A bank that is considered to be a “troubled institution” is prohibited by federal law from paying dividends altogether.

 

Under Tennessee insurance law, the Insurance Subsidiary must maintain a minimum level of unimpaired paid-in capital and surplus, and it is prohibited from paying a dividend out of, or other distribution with respect to, capital or surplus without the prior approval of the Tennessee Insurance Department.

 

Equity Compensation Plan Information

 

Pursuant to the SEC’s Regulation S-K Compliance and Disclosure Interpretation 106.01, the information regarding the Corporation’s equity compensation plans required by this Item pursuant to Item 201(d) of Regulation S-K is located in Item 12 of Part III of this annual report and is incorporated herein by reference.

 

ITEM 6.         [RESERVED]

 

- 22 -

Farmers and Merchants Bancshares, Inc.

 

MANAGEMENT’S DISCUSSION AND ANALYSIS OF

FINANCIAL CONDITION AND RESULTS OF OPERATIONS

 

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

 

The following discussion and analysis should be read in conjunction with the consolidated financial statements and notes thereto for the years ended December 31, 2022 and 2021, which are presented elsewhere in this annual report.

 

The Company was incorporated on August 8, 2016 for the purpose of becoming the bank holding company of the Bank in a share exchange transaction that was intended to constitute a tax-free exchange under Section 351 of the IRC. This 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.

 

APPLICATION OF CRITICAL ACCOUNTING POLICIES

 

The consolidated financial statements of the Company are prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) and follow general practices within the industry in which the Company operates. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the consolidated financial statements; accordingly, as this information changes, the consolidated financial statements could reflect different estimates, assumptions, and judgments. Certain policies inherently have a greater reliance on the use of estimates, assumptions, and judgments and as such have a greater possibility of producing results that could be materially different than originally reported.

 

The most significant accounting policies followed by the Company are presented in Note 1 to the consolidated financial statements presented elsewhere in the annual report. These policies, along with the disclosures presented in the other financial statement notes and in this financial review, provide information on how significant assets and liabilities are valued in the financial statements and how those values are determined. Based on the valuation techniques used and the sensitivity of financial statement amounts to the methods, assumptions, and estimates underlying those amounts, management has identified the determination of the allowance for loan losses as the accounting area that requires the most subjective or complex judgments, and as such could be most subject to revision as new information becomes available.

 

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. Note 1 to the consolidated financial statements describes the methodology used to determine the allowance for loan losses.

 

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.

 

- 23 -
 

 

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 in 2020 and 2021 with resources to maintain payroll, hire back employees who may have been laid off, and to cover applicable overhead expenses. During 2021, we made $22 million of PPP loans. All PPP loans are 100% guaranteed by the SBA. At December 31, 2022, $0.7 million of PPP loans are outstanding compared to $9.7 million at December 31, 2021.

 

FINANCIAL CONDITION

 

Total assets were $718,210,672 at December 31, 2022, an increase of $1,533,417, or 0.2%, over the $716,677,255 recorded at December 31, 2021. The increase was due primarily to an increase of $34,909,206 in loans, an increase of $6,215,208 in deferred taxes, and an increase of $3,029,179 in bank owned life insurance, offset by a decrease of $24,266,665 in securities available for sale and held to maturity and a decrease of $19,198,569 in cash and cash equivalents.

 

Total liabilities were $670,435,709 at December 31, 2022, an increase of $10,379,912, or 1.6%, over the $660,055,797 recorded at December 31, 2021. The increase was due primarily to an increase of $15,000,000 in Federal Home Loan Bank of Atlanta (“FHLB”) advances, offset by a decrease of $2,803,546 in deposits and a decrease of $1,883,263 in long term debt.

 

Stockholders’ equity was $47,774,963 at December 31, 2022 compared to $56,621,458 at December 31, 2021, a decrease of $8,846,495, or 15.6%. The decrease was due to an after-tax unrealized loss on available for sale securities of $15,710,893 and dividends paid, net of reinvestments, of $1,225,729, offset by net income for 2022 of $8,090,127.

 

Loans

 

Major categories of loans at December 31, 2022 and 2021 are as follows:

 

   

2022

            

2021

          
                                 

Real estate:

                                

Commercial

   $ 351,794,702       67 %   $ 319,185,116       66 %

Construction/Land development

     23,978,373       5 %     28,221,854       6 %

Residential

     114,683,149       22 %     107,436,033       22 %

Commercial

     31,066,497       6 %     31,182,206       6 %

Consumer

     156,422       0 %     355,958       0 %
      521,679,143       100 %     486,381,167       100 %

Less: Allowance for loan losses

     4,150,198               3,650,268          

Deferred origination fees net of costs

     608,405               719,565          
    $ 516,920,540             $ 482,011,334          

 

The Company had no foreign loans for any of the years presented.

 

- 24 -
 

 

Loans increased by $34,909,206, or 7.2%, to $516,920,540 at December 31, 2022 from $482,011,334 at December 31, 2021. The increase was due primarily to increases in commercial real estate loans of $32,609,586 and residential real estate loans of $7,247,116, offset by a decrease in construction/land development loans of $4,243,481. With several new loan officers on staff in 2022, total loan production increased by $18 million in 2022 as compared to 2021. In addition, line of credit usage increased by $4 million. Also, loan payoffs decreased by $22 million since rising rates made it more difficult for borrowers to refinance. Finally, $9 million of PPP loans were forgiven. For construction/land development loans the decrease was due primarily to several loans moving to permanent status after the construction completion. The allowance for loan losses increased by $499,930 to $4,150,198 at December 31, 2022 as compared to $3,650,268 at December 31, 2021.

 

Commercial loans in the table above include $0.7 million and $9.7 million of PPP loans as of December 31, 2022 and December 31, 2021, respectively, which are 100% guaranteed by the SBA. None of these loans were originated during 2022 compared to $22 million originated in 2021.

 

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 including annual external loan reviews and monthly review at loan committee, 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 maturities and interest rate sensitivity of the loan portfolio at December 31, 2022 is as follows:

 

   

Maturing within

one year

    

Maturing after one but within five years

    

Maturing after five but within fifteen years

    

Maturing after fifteen

years

    

Total

  
                                         

Real estate:

                                        

Commercial

   $ 26,472,724     $ 178,967,907     $ 121,354,539     $ 24,999,532     $ 351,794,702  

Construction/Land development

     12,965,681       7,499,058       1,809,743       1,703,891       23,978,373  

Residential

     10,117,341       61,768,382       24,383,092       18,414,334       114,683,149  

Commercial

     9,405,381       14,984,162       6,581,007       95,947       31,066,497  

Consumer

     34,202       112,990       9,230       -       156,422  
    $ 58,995,329     $ 263,332,499     $ 154,137,611     $ 45,213,704     $ 521,679,143  

Rate terms:

                                        

Fixed-interest rate loans

   $ 42,703,907     $ 228,449,144     $ 96,821,699     $ 10,518,575     $ 378,493,325  

Adjustable-interest rate loans

     16,291,422       34,883,355       57,315,912       34,695,129       143,185,818  
    $ 58,995,329     $ 263,332,499     $ 154,137,611     $ 45,213,704     $ 521,679,143  

 

It is the Company’s policy to place a loan in nonaccrual status when any portion of the principal or interest is 90 days past due unless there are mitigating factors. Management closely monitors nonaccrual loans. The Company returns a nonaccrual loan to accruing status when (i) the loan is brought current with the full payment of all principal and interest arrearages, (ii) all contractual payments are thereafter made on a timely basis for at least six months, and (iii) management determines, based on a credit review, that it is reasonable to expect that future payments will be made as and when required by the contract.

 

- 25 -
 

 

Year-end non-accrual loans, segregated by class of loans, were as follows:

 

   

2022

    

2021

  
                 

Non-accrual loans

                

Commercial real estate

   $ 502,961     $ 4,810,965  

Residential real estate

     -       31,500  

Commercial

     152,449       152,449  

Total non-accrual loans

   $ 655,410     $ 4,994,914  

 

At December 31, 2022, the Company had one non-accrual commercial real estate loan totaling $502,961 and one non-accrual commercial loan totaling $152,449. The commercial loan was secured by business assets and was personally guaranteed. Gross interest income of $45,856 would have been recorded in 2022 if these non-accrual loans had been current and performing in accordance with the original terms. The Company allocated $281,910 of its allowance for loan losses to these non-accrual loans. The decrease of $4.3 million from December 31, 2021 to December 31, 2022 is due to a loan of the same balance that began making full principal and interest payments again in July 2022.

 

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

 

At December 31, 2022, the Company had no loans that were delinquent 90 days or greater other than the non-accrual loans listed above. At December 31, 2021, the Company had one residential real estate loan with a carrying value of $217,661 and two commercial loans with a carrying value of $263,241 that were delinquent 90 days or greater in addition to the non-accrual loans listed above. The residential loan is a chronic delinquent loan that the borrower brings current at least several times a year. The two commercial loans were PPP loans that were fully guaranteed and were paid in full in January 2022.

 

Year-end impaired loans are set forth in the following table:

 

   

2022

    

2021

  
                 

Impaired loans no valuation allowance

   $ 6,772,804     $ 6,357,199  

Impaired loans with a valuation allowance

     655,410       655,410  

Total impaired loans

   $ 7,428,214     $ 7,012,609  

Valuation allowance related to impaired loans

   $ 281,910     $ 281,910  

 

Impaired loans include certain loans that have been modified in troubled debt restructurings (“TDRs”) where economic concessions have been granted to borrowers who have experienced or are expected to experience 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.

 

- 26 -
 

 

At December 31, 2022, the Company had two commercial real estate loans totaling $6,516,454 and two residential loans totaling $256,350 that were classified as TDRs. All four loans are included in impaired loans above. Each loan is paying as agreed. None of the borrowers have defaulted nor have there been charge-offs or allowances associated with the four loans. One of the commercial real estate loans with a principal balance of $4,542,896 and one of the residential loans with a principal balance of $222,767 were restructured as TDRs during 2022.

 

At December 31, 2021, the Company had one commercial real estate loan totaling $2,009,967 and one residential loan totaling $39,228 classified as TDRs. Both loans are included in impaired loans above. Each loan is paying as agreed. There have been no charge-offs or allowances associated with these two loans.

 

Year-end TDRs are set forth in the following table:

 

   

2022

    

2021

  
                 

Restructured loans (TDRs):

                

Total - all performing as agreed

   $ 6,772,804     $ 2,049,195  

 

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 any guarantor, and cash flow projections of the borrower. Special mention, Substandard, and Doubtful grades are assigned to loans with a higher frequency of delinquent payments and/or the collateral and/or cash flow are insufficient to support the loan and such loans are included on the Company’s watch list. The Special mention grade is intended to be a temporary grade.

 

Year-end loans graded special mention, substandard and doubtful are set forth in the following table:

 

   

2022

    

2021

  
                 

Special mention

   $ 5,530,925     $ 5,288,153  

Substandard

     12,070,750       15,109,965  

Doubtful

     35,381       20,627  

Total

   $ 17,637,056     $ 20,418,745  

 

The allowance for loan losses is a reserve established through a provision for loan losses and is charged to expense.  The allowance for loan losses represents an amount which, in management’s judgment, will be adequate to absorb probable losses on existing loans and other extensions of credit that may become uncollectible. The Company's allowance for loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310, "Receivables" and allowance allocations calculated in accordance with ASC Topic 450, "Contingencies." Accordingly, the methodology is based on historical loss experience by type of credit and internal risk grade, specific homogeneous risk pools and specific loss allocations, with adjustments for current events and conditions.

 

The Company's process for determining the appropriate level of the allowance for loan losses is designed to account for credit deterioration as it occurs. The provision for loan losses reflects loan quality trends, including the levels of and trends related to non-accrual loans, past due loans, potential problem loans, classified and criticized loans and net charge-offs or recoveries, among other factors.

 

Although management believes, based on currently available information, that the Company’s allowance for loan losses is sufficient to cover losses probable and estimable inherent in its loan portfolio at this time, no assurances can be given that the Company’s level of allowance for loan losses will be sufficient to cover future loan losses incurred by the Company or that future adjustments to the allowance for loan losses will not be necessary if economic or other conditions differ substantially from the economic and other conditions at the time management determined the current level of the allowance for loan losses.

 

- 27 -
 

 

The following tables detail activity in the allowance for loan losses by portfolio for the years ended December 31, 2022 and 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

                            

Loan

    

balance evaluated for impairment:

    

evaluated for impairment:

  
   

Beginning

    

for loan

    

Charge

            

Ending

    

Segment

    

Purchase Credit

    

Purchase Credit

  

December 31, 2022

  

balance

    

losses

    

offs

    

Recoveries

    

balance

    

Percentage

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                                 

Real estate:

                                                                                                

Commercial

   $ 2,482,930     $ 343,424     $ (7,772 )   $ -     $ 2,818,582       67 %   $ 129,461     $ -     $ 2,689,121     $ 7,019,415     $ -     $ 344,775,287  

Construction and land development

     214,547       (66,151 )     -       16,200       164,596       5 %     -       -       164,596       -       369,622       23,608,751  

Residential

     603,558       173,859       (2,468 )     18,970       793,919       22 %     -       -       793,919       256,350       209,583       114,217,216  

Commercial

     255,413       81,890       -       -       337,303       6 %     152,449       -       184,854       152,449       -       30,914,048  

Consumer

     4,370       336       -       -       4,706       0 %     -       -       4,706       -       -       156,422  

Unallocated

     89,450       (58,358 )     -       -       31,092       0 %     -       -       31,092       -       -       -  
    $ 3,650,268     $ 475,000     $ (10,240 )   $ 35,170     $ 4,150,198       100 %   $ 281,910     $ -     $ 3,868,288     $ 7,428,214     $ 579,205     $ 513,671,724  

 

                                                   

Allowance for loan losses ending

    

Outstanding loan balances

  
           

Provision

                            

Loan

    

balance evaluated for impairment:

    

evaluated for impairment:

  
   

Beginning

    

for loan

    

Charge

            

Ending

    

Segment

    

Purchase Credit

    

Purchase Credit

  

December 31, 2021

  

balance

    

losses

    

offs

    

Recoveries

    

balance

    

Percentage

    

Individually

    

Impaired

    

Collectively

    

Individually

    

Impaired

    

Collectively

  
                                                                                                 

Real estate:

                                                                                                

Commercial

   $ 2,230,129     $ 241,301     $ -     $ 11,500     $ 2,482,930       66 %   $ 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       6 %     -       -       214,547       -       383,666       27,838,188  

Residential

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

Commercial

     111,390       129,023       -       15,000       255,413       6 %     152,449       -       102,964       152,449       -       31,029,757  

Consumer

     2,138       2,232       -       -       4,370       0 %     -       -       4,370       -       -       355,958  

Unallocated

     106,550       (17,100 )     -       -       89,450       0 %     -       -       89,450       -       -       -  
    $ 3,296,538     $ 330,000     $ (18,970 )   $ 42,700     $ 3,650,268       100 %   $ 281,910     $ -     $ 3,368,358     $ 7,012,609     $ 1,008,642     $ 478,359,916  

 

   

2022

    

2021

  
                 

Allowance for loan losses to total loans outstanding

     0.80 %     0.75 %
                 

Ratio of net charge-offs to average loans outstanding during the period

     0.00 %     0.00 %
                 

Nonaccrual loans to total loans outstanding at period end

     0.13 %     1.03 %
                 

Allowance for loan losses to nonaccrual loans at period end

     633.22 %     73.08 %

 

- 28 -
 

 

Net recovery (charge-offs) during the period to average loans outstanding:

 

   

2022

  
         

Real estate:

        

Commercial

     0.00 %

Construction and land development

     0.06 %

Residential

     0.02 %

Commercial

     -0.01 %

Consumer

     0.00 %
         

Total

     0.01 %

 

The Company recorded net recoveries of $24,930 and $23,730 for 2022 and 2021, respectively. The provision for loan losses was $475,000 in 2022 and $330,000 in 2021.

 

Management believes that the $4.2 million reserve at December 31, 2022 and the $475,000 provision for the year ended December 31, 2022 are appropriate to adequately cover the probable and estimable losses inherent in the loan portfolio. The reserve increased by $499,930 or 14% from December 31, 2021. Excluding PPP loans, the Company’s loan portfolio grew by $44 million during the 2022. An increasing portfolio typically requires a commensurate increase in the provision. In addition, several qualitative factors were increased to reflect the potential impact of rising interest rates on loan losses.

 

Other Real Estate Owned

 

Other real estate owned (“OREO”) at December 31, 2022 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 being marketed for sale. 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 2023. Due to the length of time that the latter property has been held, Maryland banking law required a write-down of the value to $0 in 2019.

 

   

2022

    

2021

  
                 

Other Real Estate Owned

   $ 1,242,365     $ 1,242,365  

 

Investment Securities

 

Investment securities decreased by $24,266,445, or 14.2%, to $146,823,446 at December 31, 2022 from $171,089,891 at December 31, 2021. The decrease was due primarily to a $21,675,430 increase in the unrealized loss of the available for sale securities as a result of the significant increase in interest rates during 2022. At December 31, 2022 and 2021, the Company had classified 86% and 87%, respectively, of the investment portfolio as available for sale. The remaining 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 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 management has both the positive intent and ability to hold to maturity, are reported at amortized cost. 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.

 

- 29 -
 

 

The following table sets forth the carrying value of investment securities at December 31:

 

   

2022

    

2021

  

Available for sale

                

State and municipal

   $ 552,281     $ 763,498  

SBA pools

     1,019,797       1,397,762  

Corporate bonds

     9,389,896       9,234,207  

Mortgage-backed securities

     115,352,475       137,842,449  
    $ 126,314,449     $ 149,237,916  
                 

Held to maturity

                

State and municipal

   $ 20,508,997     $ 21,851,975  

 

The following table sets forth the scheduled maturities of investment securities at December 31, 2022:

 

   

Available for Sale

    

Held to Maturity

  
   

Amortized Cost

    

Fair Value

    

Yield (1)

    

Amortized Cost

    

Fair Value

    

Yield (1)

  
                                                 

Within 1 year

   $ 580,522     $ 564,841       1.39 %   $ 330,000     $ 330,175       4.00 %

Over 1 to 5 years

     3,079,483       2,937,072       2.12 %     474,937       469,235       2.77 %

Over 5 to 10 years

     7,324,263       6,440,264       4.62 %     3,308,340       3,162,389       2.78 %

Over 10 years

     -       -       -       16,395,720       14,917,996       3.02 %
      10,984,268       9,942,177       3.75 %     20,508,997       18,879,795       2.99 %

SBA Pools

     1,033,606       1,019,797       4.12 %     -       -       -  

Mortgage-backed securities

     137,896,519       115,352,475       1.97 %     -       -       -  
    $ 149,914,393     $ 126,314,449       2.12 %   $ 20,508,997     $ 18,879,795       2.99 %

 

(1) – the yields indicated are based upon the amortized cost and have not been tax effected for tax exempt securities.

 

SBA pools and mortgage-backed securities are due in monthly installments.

 

Deposits

 

Total deposits were $623,611,124 at December 31, 2022 compared to $626,414,670 at December 31, 2021, a decrease of $2,803,546, or 0.4%. The decrease was due to a $22,080,938 decrease in certificates of deposit, offset by a $3,348,466 increase in savings accounts, a $5,229,891 increase in interest bearing checking accounts, a $8,179,301 increase in money market accounts and a $2,519,734 increase in noninterest-bearing accounts. The following table shows the average balances and average costs of deposits for the years ended December 31:

 

- 30 -
 

 

   

2022

    

2021

  
   

Average

Balance

    

Cost

    

Average

Balance

    

Cost

  
                                 

Noninterest bearing demand deposits

   $ 129,642,652       0.00 %   $ 120,935,434       0.00 %

Interest bearing demand deposits

     134,141,125       0.17 %     118,795,136       0.18 %

Savings and money market deposits

     199,407,223       0.13 %     183,453,217       0.15 %

Certificates of deposit

     168,618,943       0.53 %     187,568,107       0.81 %
    $ 631,809,943       0.22 %   $ 610,751,894       0.33 %

 

As of December 31, 2022, certificates of deposit greater than $250,000 mature as follows:

 

Period

  

Balance

  

3 months or less

   $ 13,376,259  

Over 3 months to 6 months

     6,248,186  

Over 6 months to 12 months

     8,358,449  

Over 12 months

     9,993,344  

Total

   $ 37,976,238  

 

Uninsured deposits totaled $162,415,782 at December 31, 2022.

 

Off-Balance Sheet Arrangements

 

The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers and to reduce its own exposure to fluctuations in interest rates. These financial instruments include commitments to extend credit, lines of credit, including home-equity lines and commercial lines, and letters of credit. Loan commitments generally have interest rates at current market values, fixed expiration dates, and may require a fee. Lines of credit generally have variable interest rates and do not necessarily represent future cash flow requirements because it is unlikely that all customers will draw upon their lines in full at any one time. Letters of credit are commitments issued to guarantee the performance of a customer to a third party. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet.

 

For commitments to extend credit, lines of credit, and letters of credit, the Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument is represented by the contractual notional amount of these instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

 

At December 31, 2022, the Company’s off-balance sheet financial instruments were as follows:

 

Loan commitments   $ 13,975,917  
Unused lines of credit   $ 37,550,783  
Letters of credit   $ 1,403,956  

 

Management does not believe that any of the foregoing arrangements are reasonably likely to have a material adverse effect on the Company’s financial condition, revenues or expenses, results of operations, liquidity, capital expenditures or capital resources that are material to investors.

 

Borrowings and Other Contractual Obligations

 

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

 

- 31 -
 

 

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.

 

On September 30, 2020, Farmers and Merchants Bancshares, Inc. borrowed $17,000,000 from First Horizon Bank (“FHN”) to be used, on October 1, 2020, to fund a portion of the merger consideration paid in the Merger. Net of issuance costs of $28,126, the proceeds of the net long-term debt was $16,971,874. The loan matures on September 30, 2025. The interest rate on the loan is fixed at 4.10%. The Company made quarterly interest-only payments 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 is 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 the lender.

 

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

 

     

At December 31,

  
     

2022

    

2021

  

Amount outstanding at year-end:

                  

Securities sold under repurchase agreements

   $ 5,175,303     $ 5,414,026  

Federal Home Loan Bank advances

     20,000,000       5,000,000  

Federal Home Loan Bank advances mature in:

                  
 

2023

   $ 15,000,000     $ -  
 

2025

   $ 5,000,000     $ 5,000,000  

Long-term debt (net of issuance costs) matures in

2025

     15,095,642       16,978,905  
                   

Weighted average rate paid at December 31:

                  

Securities sold under repurchase agreements

     0.30 %     0.31 %

Federal Home Loan Bank advances

     3.68 %     1.00 %

Long-term debt

     4.10 %     4.10 %

 

   

For years ended December 31,

  
   

2022

    

2021

  
                 

Average rate paid for the year:

                

Securities sold under repurchase agreements

     0.30 %     0.43 %

Federal Home Loan Bank advances

     1.55 %     1.01 %

Long-term debt

     4.10 %     4.10 %

 

The terms of the Company’s operating leases, including the future minimum payments under those leases, are disclosed in Note 9 to the consolidated financial statements.

 

RESULTS OF OPERATIONS

 

Overview

 

The Company reported net income of $8,090,127 for the year ended December 31, 2022 compared to $8,149,606 for the year ended December 31, 2021. The decrease of $59,479 from 2021 was due to an increase in noninterest expense of $1,238,681, an increase in the provision for loan losses of $145,000, and an increase in income taxes of $52,213, offset by an increase in net interest income of $1,248,391 and an increase in noninterest income of $128,024.

 

- 32 -
 

 

Net Interest Income

 

The primary source of income for the Company is net interest income, which is the difference between interest income on interest-earning assets, such as investment securities and loans, and interest expense incurred on interest-bearing sources of funds, such as deposits and borrowings.

 

For the year ended December 31, 2022, the Company recorded net interest income of $24,123,495 compared to $22,875,104 for 2021, an increase of $1,248,391. The increase was attributable to an increase in the average balance of interest-earning assets of $22,011,503 to $686,760,420 in 2022 from $664,748,917 in 2021, and an increase in the net yield on interest-earning assets of 7 basis points to 3.54% in 2022 from 3.47% in 2021.

 

Total interest income for the year ended December 31, 2022 increased by $589,250 to $26,269,653, from $25,680,403 for 2021. The increase was due primarily to the aforementioned increase in average interest earning assets, offset by a decrease of 4 basis points in the tax equivalent yield on interest earning assets to 3.85% in 2022 from 3.89% in 2021.

 

Interest income from loans was $22,565,034 in 2022 compared to $23,491,614 in 2021, a decrease of $926,580. This decrease was attributable to a $16,740,010 decrease in the average balance of loans to $498,427,308 in 2022 from $515,167,318 in 2021, and a 3 basis point decrease in the average yield on loans to 4.53% in 2022 from 4.56% in 2021. PPP revenue recognized declined by approximately $659,000 in 2022 compared to 2021 which contributed to a 13 basis point decline in the yield.

 

For the year ended December 31, 2022, the Company recorded interest income on securities of $3,551,955 compared to $2,123,293 for the same period in 2021. The $1,428,662 increase in 2022 was attributable to a $54,871,003 increase in the average balance of securities to $174,776,879 in 2022 from $119,905,876 in 2021, and a 21 basis point increase in the average tax equivalent yield on securities to 2.13% in 2022 from 1.92% in 2021.

 

Interest income on federal funds sold and other interest-earning assets (FHLB stock and certificates of deposit) increased $87,168 to $152,664 in 2022 compared to $65,496 in 2021. The increase was due to a 97 basis point decrease in the average tax equivalent yield to 1.20% in 2022 from 0.23% in 2021, offset by a $16,119,490 decrease in the average balance of federal funds sold and other interest-earning assets to $13,556,233 in 2022 from $29,675,723 in 2021.

 

Total interest expense decreased by $659,141 to $2,146,158 in 2022 compared to $2,805,299 in 2021. The decrease was due to a 13 basis point decrease in the cost of interest-bearing liabilities to 0.41% in 2022 from 0.54% in 2021, offset by an increase of $5,994,959 in the average balance of interest-bearing liabilities to $528,210,165 in 2022 from $522,215,206 in 2021.

 

Interest paid on NOW, savings, and money market deposit accounts decreased by $9,330 to $476,213 in 2022 compared to $485,543 in 2021. The decrease was due to a 2 basis point decrease in the cost of funds to 0.14% in 2022 from 0.16% in 2021 offset by a $31,299,995 increase in the average balance of these deposits to $333,548,348 in 2022 from $302,248,353 in 2021.

 

Interest paid on time deposits decreased by $612,852 to $899,478 in 2022 compared to $1,512,330 in 2021. The decrease was due to a decrease of 28 basis points in the average rate paid to 0.53% in 2022 from 0.81% in 2021, and a decrease of $18,949,164 in the average balance to $168,618,943 in 2022 from $187,568,107 in 2021.

 

Interest paid on securities sold under repurchase agreements decreased by $31,860 to $12,768 in 2022 compared to $44,628 in 2021. The decrease was attributable to a decrease of 13 basis points in the average rate paid to 0.30% in 2022 from 0.43% in 2021, and a $6,167,187 increase in the average balance of securities sold under repurchase agreements to $4,255,436 in 2022 from $10,422,623 in 2021.

 

Interest paid on long-term debt was $664,620 in 2022 compared to $712,306 in 2021. This debt relates to the $17 million term loan obtained on September 30, 2021 to finance a portion of the cash paid to the former stockholders of Carroll Bancorp, Inc. in the Merger. The average balance, net of issuance costs, decreased $1,059,888 to 15,916,205 in 2022 from $16,976,093 in 2021 due to scheduled principal payments.

 

Interest paid on FHLB advances and other borrowings increased $42,587 to $93,079 in 2022 from $50,492 in 2021. The increase was attributable to an increase of 58 basis points in the average rate paid to 1.59% in 2022 from 1.01% in 2021, and a $871,203 increase in the average balance of FHLB advances and other borrowings to $5,871,233 in 2022 from $5,000,030 in 2021.         

 

- 33 -
 

 

The following table sets forth certain information relating to the Company’s average interest-earning assets and interest-bearing liabilities for the periods indicated. The yields and rates are calculated by dividing interest income or expense by the average daily balance of assets or liabilities, respectively. Non-accruing loans are included in the average balance.

 

Average Balance Sheet, Interest and Yields

 

   

For the Years Ended December 31,

  
   

2022

    

2021

  
   

Average Balance

    

Interest

    

Yield

    

Average Balance

    

Interest

    

Yield

  

Assets:

                                                

Loans

   $ 498,427,308     $ 22,565,034       4.53 %   $ 515,167,318     $ 23,491,614       4.56 %

Securities, taxable (1)

     156,008,736       2,986,225       1.91 %     99,668,430       1,516,487       1.52 %

Securities, tax exempt (1)

     18,768,143       736,696       3.93 %     20,237,446       787,818       3.89 %

Federal funds sold and other interest earning assets (1)

     13,556,233       162,410       1.20 %     29,675,723       69,098       0.23 %

Total interest-earning assets

     686,760,420       26,450,365       3.85 %     664,748,917       25,865,017       3.89 %

Noninterest-earning assets

     27,355,077                       38,706,505                  

Total assets

   $ 714,115,497                     $ 703,455,422                  
                                                 

Liabilities and Stockholders' Equity:

                  

Rate

                    

Rate

  

NOW, savings, and money market

   $ 333,548,348       476,213       0.14 %   $ 302,248,353       485,543       0.16 %

Certificates of deposit

     168,618,943       899,478       0.53 %     187,568,107       1,512,330       0.81 %

Securities sold under repurchase agreements

     4,255,436       12,768       0.30 %     10,422,623       44,628       0.43 %

Long-term debt

     15,916,205       664,620       4.18 %     16,976,093       712,306       4.20 %

FHLB advances and other borrowings

     5,871,233       93,079       1.59 %     5,000,030       50,492       1.01 %

Total interest-bearing deposits

     528,210,165       2,146,158       0.41 %     522,215,206       2,805,299       0.54 %
                                                 

Noninterest-bearing deposits

     129,642,652                       120,935,434                  

Noninterest-bearing liabilities

     5,804,686                       5,419,526                  

Total liabilities

     663,657,503                       648,570,166                  

Stockholders' equity

     50,457,994                       54,885,256                  

Total liabilities and stockholders' equity

   $ 714,115,497                     $ 703,455,422                  

Net interest income

           $ 24,304,207                     $ 23,059,718          
                                                 

Interest rate spread

                     3.44 %                     3.35 %
                                                 

Net yield on interest-earning assets

                     3.54 %                     3.47 %
                                                 

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

                     130.02 %                     127.29 %

 

(1) - Interest on tax-exempt investments are reported on a fully taxable equivalent basis. The federal, state, and combined tax rates used   were 21.00%, 8.25%, and 27.5175% respectively.

 

- 34 -
 

 

The following table sets forth the dollar amount of changes in interest income and interest expense for the major categories of the Company's interest-earning assets and interest-bearing liabilities. The table distinguishes between (i) changes in net interest income attributed to volume (change in volume multiplied by the prior year's interest rate), and (ii) changes in net interest income attributed to rate (change in rate multiplied by the prior year's volume). The change in interest due to the combined rate and volume changes is allocated proportionally to the change in volume and rate.

 

RATE/VOLUME ANALYSIS

  
                                                 
   

Year ended December 31, 2022

compared to 2021

    

Year ended December 31, 2021

compared to 2020

  
   

Change due to variance in

    

Change due to variance in

  
   

Volume

    

Rate

    

Total

    

Volume

    

Rate

    

Total

  

Interest income:

                                                

Loans

   $ (758,854 )   $ (167,726 )   $ (926,580 )   $ 4,293,991     $ (93,539 )   $ 4,200,452  

Securities, taxable

     1,009,107       460,631       1,469,738       856,005       (114,100 )     741,905  

Securities, tax exempt

     (57,625 )     6,503       (51,122 )     (43,603 )     31,580       (12,023 )

Federal funds sold and other interest-earning assets

     (55,105 )     148,417       93,312       56,920       (67,668 )     (10,748 )

Total interest-earning assets

     137,523       447,825       585,348       5,163,313       (243,727 )     4,919,586  

Interest expense:

                                                

NOW, savings, and money market

     47,585       (56,915 )     (9,330 )     199,146       (232,621 )     (33,475 )

Certificates of deposit

     (140,897 )     (471,955 )     (612,852 )     303,198       (1,400,844 )     (1,097,646 )

Securities sold under repurchase agreements

     (21,159 )     (10,701 )     (31,860 )     11,269       (73,959 )     (62,690 )

Long-term debt

     (44,274 )     (3,412 )     (47,686 )     526,496       4,345       530,841  

FHLB advances and other borrowings

     9,972       32,615       42,587       1,055       8,537       9,592  

Total interest-bearing liabilities

     (148,773 )     (510,368 )     (659,141 )     1,041,164       (1,694,542 )     (653,378 )
                                                 

Change in net interest income

   $ 286,296     $ 958,193     $ 1,244,489     $ 4,122,149     $ 1,450,815     $ 5,572,964  

 

Noninterest Income

 

Noninterest income was $2,293,938 in 2022 compared to $2,165,914 in 2021, an increase of $128,024. The increase was due primarily to a $673,483 gain on insurance proceeds from the storm damage to the Bank’s Upperco, Maryland location and a $151,206 increase in the gain on sale of SBA loans, offset by a $696,470 decrease in mortgage banking revenue as a result of the significant increase in interest rates in 2022 which reduced residential loan activity.

 

Noninterest Expense

 

Total noninterest expense increased by $1,238,681 to $15,367,280 in 2022 from $14,128,599 in 2021. The increase was due primarily to increases in salaries and benefits of $730,088 as a result of the addition of several new positions as well as normal salary increases, and an increase in professional fees of $475,872 as a result of third party fees paid in connection with the hiring of new employees.

 

Other noninterest expenses include the following:

 

   

2022

    

2021

  
                 

Directors fees

     212,436       221,239  

Insurance claims

     205,000       145,000  

Telephone

     202,854       219,418  

Correspondent bank services

     195,223       185,081  

Internet banking fees

     177,164       168,424  

Stationery, printing, and supplies

     176,467       225,266  

Liability insurance

     137,885       106,938  

Other

     550,754       516,268  
    $ 1,857,783     $ 1,787,634  

 

- 35 -
 

 

Income Taxes

 

Income taxes increased by $52,213 to $2,485,026 in 2022 from $2,432,813 in 2021.

 

The Company’s effective tax rate increased to 23.5% in 2022, from 23.0% in 2021. The increase was due to a lower percentage of tax-exempt revenue. Note 14 to the consolidated financial statements provides additional information about the Company’s taxes, including a reconciliation of the Company’s effective tax rate to the Federal statutory rate of 21%.

 

Quarterly Results of Operations

 

   

Three Months Ended

  
   

Unaudited

  

2022

  

December 31

    

September 30

    

June 30

    

March 31

  
                                 

Interest income

   $ 6,918,716     $ 6,586,065     $ 6,275,147     $ 6,489,725  

Interest expense

     623,247       494,313       502,962       525,636  

Net interest income

     6,295,469       6,091,752       5,772,185       5,964,089  

Provision for loan losses

     380,000       95,000       -       -  

Net income

     2,014,282       1,974,310       2,050,733       2,050,802  

Earnings per share - basic and diluted

   $ 0.66     $ 0.65     $ 0.67     $ 0.68  

 

2021

  

December 31

    

September 30

    

June 30

    

March 31

  
                                 

Interest income

   $ 6,374,432     $ 6,654,268     $ 6,281,111     $ 6,370,592  

Interest expense

     607,293       662,279       738,590       797,137  

Net interest income

     5,767,139       5,991,989       5,542,521       5,573,455  

Provision for loan losses

     (100,000 )     330,000       (20,000 )     120,000  

Net income

     1,965,265       2,122,547       2,032,219       2,029,575  

Earnings per share - basic and diluted

   $ 0.65     $ 0.70     $ 0.67     $ 0.67  

 

INTEREST RATE RISK

 

The Company’s principal market risk is exposure to the risk that the interest rates associated with our interest-bearing liabilities and interest-earning assets will fluctuate. This risk arises from the Company’s lending, investing and deposit-taking activities, and is affected by many factors, including economic and financial conditions, movements in interest rates and consumer preferences. Interest rate fluctuation has a direct impact on the Company’s net interest income. Net interest income is susceptible to interest rate risk when deposits and other short-term liabilities have different repricing intervals than do loans, investments and other interest-earning assets. When interest-earning assets mature or reprice faster than interest-bearing liabilities, a decline in interest rates may cause a decline in net interest income. Conversely, when interest-bearing liabilities mature or reprice faster than interest-earning assets, an increase in interest rates may cause a decline in net interest income.

 

The Company recognizes that there are many types of interest rate risk. Management believes that the three types that pose the greatest potential threat to current and long-term earnings are:

 

 

•

Repricing risk – the difference in the timing of the scheduled maturity and re-pricing dates of assets and liabilities within a certain time frame;
 

•

Option risk – interest rate related options embedded in the Company’s assets and liabilities which change the cash flow characteristics of the assets and liabilities; and

 

- 36 -
 

 

 

•

Yield curve / basis risk – changes in the relationship between different interest rates with the same maturity or interest rates across a maturity spectrum which create compression or expansion of our net interest margin.

 

The Company uses earnings at risk and economic value at risk measures to quantify our exposure to these types of interest rate risk. We believe that using simulations that measure all three types of risks in combination is a more efficient tool for measurement, and we therefore do not routinely process models to isolate each risk. Rather, we combine the three types of analyses, which we believe provides a better overall result than a simulation based on a single system and a more economical use of resources than targeted models. Following is a description of the analyses to be utilized:

 

Earnings at Risk

 

Earnings at Risk (“EAR”) measures exposure to net changes in net interest income (“NII”), and is considered the Company’s best source of managing short-term interest rate risk (one-year and two-year time frames). EAR is a dynamic analysis, which can capture all the different forms of interest rate risk under many different interest rate scenarios, and using various assumptions for growth, optionality, and yield curve structure.

 

Economic Value of Equity

 

Economic Value of Equity (“EVE”) is management’s primary analytical tool for measuring long-term interest rate risk, and helps to measure if the long-term safety and soundness of the Company is being compromised for the sake of short-term results. However, the Company also recognizes the inherent difficulties of calculating a definitive value for many sections of the balance sheet as well as the weakness that EVE ignores future events (e.g., growth, etc.). These difficulties, coupled with the nature of our core business, allow the Company to adopt wide limits for this measure.

 

In order to mitigate the impact of changing interest rates, the Board of Directors has established policies and procedures that include acceptable parameters for the relationship between rate sensitive assets to rate sensitive liabilities as measured by earnings at risk and economic value at risk. The Asset/Liability Committee reviews rate sensitivity measures on a quarterly basis. Material deviations from policy parameters are reported to the Board of Directors and corrective action is initiated and monitored.

 

Measures of NII at risk produced by simulation analysis are indicators of an institution’s short-term performance in alternative rate environments. These measures are typically based upon a relatively brief period, usually one year. They do not necessarily indicate the long-term prospects or economic value of the institution.

 

Based upon the simulation analysis performed at December 31, 2022 and 2021, management estimated the following changes in NII, assuming the indicated rate changes:

 

Change in Rate

  

2022

    

2021

  
                 

400 basis point increase

   $ (2,282,000 )   $ (1,844,000 )

300 basis point increase

     (1,610,000 )     (1,191,000 )

200 basis point increase

     (958,000 )     (677,000 )

100 basis point increase

     (424,000 )     (278,000 )

100 basis point decrease

     417,000       (878,000 )

200 basis point decrease

     375,000       (1,131,000 )

300 basis point decrease

     216,000       (1,201,000 )

 

- 37 -
 

 

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 $60.5 million under a secured line of credit with the FHLB. The Bank also has a facility with the Federal Reserve Bank of Richmond (the “Reserve Bank”) under which the Bank could borrow approximately $25.4 million. Finally, the Bank has $23,500,000 ($14,500,000 unsecured and $9,000,000 secured) overnight federal funds lines of credit available from commercial banks. FHLB advances of $20,000,000 and $5,000,000 were outstanding as of December 31, 2022 and 2021, respectively. There were no borrowings from the Reserve Bank or from the commercial banks’ lines of credit at December 31, 2022 and 2021. On September 30, 2020, the Company borrowed $17,000,000 from a commercial bank, which was used on October 1, 2020 to fund a portion of the cash consideration paid to the former stockholders of Carroll Bancorp, Inc. in the Merger. The outstanding balance at December 31, 2022, net of unamortized issuance costs, was $15,095,642. 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.

 

Cash provided by operating activities decreased by $4,548,768 to $7,155,962 in 2022 from $11,704,730 in 2021. Cash used in investing activities decreased by $23,626,325 to $35,358,568 in 2022 from $58,984,893 in 2021 due primarily to a $110,483,756 decrease in the net cash outflow from the debt securities portfolio, offset by a $75,821,469 increase in the net cash outflow from the loan portfolio. Cash provided by financing activities decreased by $23,762,562 to $9,004,037 in 2022 from $32,766,599 in 2021 due primarily to a $55,905,586 decrease in the net cash inflow from deposits, offset by a $19,101,224 decrease in the net cash outflow from securities sold under repurchase agreements and a $15,000,000 increase in the net cash inflow from FHLB advances.

 

Information about the various financial obligations, including contractual obligations and commitments that may require future cash payments, to which we are subject is set forth above under the captions “Off-Balance Sheet Transactions” and “Borrowings and Other Contractual Obligations”.

 

CAPITAL RESOURCES AND ADEQUACY

 

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and 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, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off‑balance sheet items as calculated under regulatory accounting practices.

 

The Basel III Capital Rules became effective for the Bank on January 1, 2015 (subject to a phase-in period for certain provisions). 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).

 

On September 17, 2019, the FDIC finalized a rule that introduces an optional simplified measure of capital adequacy for qualifying community banking organizations (i.e., the community bank leverage ratio (“CBLR”) framework), as required by the Economic Growth, Regulatory Relief and Consumer Protection Act. The CBLR framework is designed to reduce burden by removing the requirements for calculating and reporting risk-based capital ratios for qualifying community banking organizations that opt into the framework.

 

On April 6, 2020, in a joint statement, the FDIC, Federal Reserve and the Office of Comptroller of the Currency (“OCC”), issued two interim final rules regarding temporary changes to the CBLR framework to implement provisions of the CARES Act. Under the interim final rules, the community bank leverage ratio was reduced to 8% beginning in the second quarter and for the remainder of calendar year 2020, 8.5% for calendar year 2021, and 9% thereafter. In order to qualify for the CBLR framework, a community banking organization must have a tier 1 leverage ratio of greater than 8%, less than $10 billion in total consolidated assets, and limited amounts of off-balance-sheet exposures and trading assets and liabilities. A qualifying community banking organization that opts into the CBLR framework and meets all requirements under the framework will be considered to have met the well-capitalized ratio requirements under the Prompt Corrective Action regulations and will not be required to report or calculate risk-based capital. The Company has not opted-in to the CBLR framework.

 

- 38 -
 

 

Additional information regarding the capital requirements that apply to us can be found in Note 14 of the consolidated financial statements and notes thereto included in the Annual Report.

 

The following table presents actual and required capital ratios as of December 31, 2022 and 2021, for the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of December 31, 2022 and 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.

 

 

                   

Minimum

    

To Be Well

  

(Dollars in thousands)

  

Actual

    

Capital Adequacy

    

Capitalized

  

December 31, 2022

  

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

  
                                                 

Total capital (to risk-weighted assets)

   $ 75,826       12.96 %   $ 61,410       10.50 %   $ 58,486       10.00 %

Tier 1 capital (to risk-weighted assets)

     71,676       12.26 %     49,713       8.50 %     46,789       8.00 %

Common equity tier 1 (to risk- weighted assets)

     71,676       12.26 %     40,940       7.00 %     38,016       6.50 %

Tier 1 leverage (to average assets)

     71,676       9.83 %     29,167       4.00 %     36,459       5.00 %
                                                 

December 31, 2021

                                                
                                                 

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 %     42,267       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 %     35,797       5.00 %

 

The Company intends to fund future growth primarily with cash, federal funds, maturities of investment securities and deposit growth. Management knows of no other trend or event that will have a material impact on capital.

 

- 39 -
 

 

ITEM 7A.         QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

 

The Bank is a “smaller reporting company” as defined in Exchange Act Rule 12b-2 and, accordingly, is not required to include the information required by this item.

 

 

ITEM 8.         FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

 

 Page
  
Report of Independent Registered Public Accounting Firm PCAOB ID 61341
Consolidated Balance Sheets at December 31, 2022 and 202143
Consolidated Statements of Income for the years ended December 31, 2022 and 2021 44
Consolidated Statement of Comprehensive (Loss) Income for the years ended December 31, 2022 and 202145
Consolidated Statement of Changes in Stockholders’ Equity for the years ended December 31, 2022 and 202146
Consolidated Statement of Cash Flows for the years ended December 31, 2022 and 202147
Notes to Consolidated Financial Statements for the years ended December 31, 2022 and 202149

 

- 40 -
 

 

image01.jpg

 

 

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

To the Stockholders and Board of Directors

Farmers and Merchants Bancshares, Inc.

Hampstead, Maryland

 

Opinion on the Financial Statements

We have audited the accompanying consolidated balance sheets of Farmers and Merchants Bancshares, Inc. and its Subsidiaries (the Company) as of December 31, 2022 and 2021, the related consolidated statements of income, comprehensive income (loss), changes in stockholders' equity and cash flows for the years then ended, and the related notes to the consolidated financial statements (collectively, the financial statements). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2022 and 2021, and the results of their operations and their cash flows for the years then ended, in conformity with accounting principles generally accepted in the United States of America.

 

Basis for Opinion

These financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on the Company’s financial statements based on our audit. We are a public accounting firm registered with the Public Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Company in accordance with U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

 

We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audit we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Company’s internal control over financial reporting. Accordingly, we express no such opinion.

 

Our audit included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audit also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audit provide a reasonable basis for our opinion.

 

Critical Audit Matters

The critical audit matter communicated below is a matter arising from the current period audit of the financial statements that was communicated or required to be communicated to the audit committee and that: (1) relates to accounts or disclosures that are material to the financial statements and (2) involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the financial statements, taken as a whole, and we are not, by communicating the critical audit matter below, providing separate opinions on the critical audit matter or on the accounts or disclosures to which it relates.

 

- 41 -
 

 

Allowance for Loan Losses – Loans Collectively Evaluated for Impairment – Qualitative Factors

 

Description of the Matter

As described in Note 1 (Summary of Significant Accounting Policies) and Note 5 (Loans) to the consolidated financial statements, the Company maintains an allowance representing an amount which, in management’s judgement, is appropriate to absorb the probable and estimable losses on existing loans and other extensions of credit that may become uncollectible. The Company’s allowance for loan losses consists of three elements: (1) segregating the loan portfolio into pools based upon similar characteristics and risk profiles and applying a loss factor to the pools based on historical losses within those pools; (2) applying qualitative factors to the loan pools that consider economic and other factors, both internal and external, affecting the Company and the pools; and (3) determining specific reserves based on individual evaluation of impaired loans that are not included in the pools discussed above. The qualitative factors are established by applying a loss percentage to the loan pools and made up approximately $3.5 million of the total $4.2 million of allowance for loan losses as of December 31, 2022.   

 

Qualitative factors are determined based on management’s continuing evaluation of inputs and assumptions underlying the quality of the loan portfolio. Management evaluates qualitative factors by loan segment, primarily considering current economic conditions, changes in concentrations, delinquency and loan grading trends, movements in interest rates, lending policies and procedures, and may also consider the experience and tenure of the lending team, loan review system, and other legislative and regulatory factors external to the Company. Qualitative factors contribute significantly to the allowance for loan losses.  Management exercised significant judgment when assessing the qualitative factors in estimating the allowance for loan losses. We identified the assessment of the qualitative factors as a critical audit matter as auditing the qualitative factors involved especially complex and subjective auditor judgment in evaluating management’s assessment of the inherently subjective estimates.

 

How We Addressed the Matter in Our Audit

The primary audit procedures we performed to address this critical audit matter included:

 

●         Substantively testing management’s process, including evaluating their judgments and assumptions for developing the qualitative allocations, which included:

 

o

Evaluating the completeness and accuracy of data inputs used as a basis for the qualitative allocations.

 

o

Evaluating the reasonableness of management’s judgments related to the determination of qualitative allocations.

 

o

Evaluating the qualitative allocations for directional consistency in comparison to prior periods and for reasonableness in comparison to supporting documentation.

 

o

Testing the mathematical accuracy of the allowance calculation, including the application of the qualitative allocations.

 

/s/ YOUNT, HYDE & BARBOUR, P.C.

 

We have served as the Company's auditor since 2021.

 

Richmond, Virginia

March 10, 2023

 

- 42 -
 

 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Balance Sheets

 

December 31,

 

2022

  

2021

 
         

Assets

 
         

Cash and due from banks

 $6,414,822  $25,258,932 

Federal funds sold and other interest-bearing deposits

  848,715   1,203,174 

Cash and cash equivalents

  7,263,537   26,462,106 

Certificates of deposit in other banks

  100,000   350,000 

Securities available for sale, at fair value

  126,314,449   149,237,916 

Securities held to maturity, at cost

  20,508,997   21,851,975 

Equity security, at fair value

  489,145   543,605 

Restricted stock, at cost

  1,332,500   675,400 

Mortgage loans held for sale

  428,355   126,500 

Loans, less allowance for loan losses of $4,150,198 and $3,650,268

  516,920,540   482,011,334 

Premises and equipment, net

  6,186,594   6,259,421 

Accrued interest receivable

  1,815,784   1,609,063 

Deferred income taxes, net

  8,392,658   2,177,450 

Other real estate owned, net

  1,242,365   1,242,365 

Bank owned life insurance

  14,585,342   11,556,163 

Goodwill and other intangibles, net

  7,042,752   7,051,080 

Other assets

  5,587,654   5,522,877 
  $718,210,672  $716,677,255 
         

Liabilities and Stockholders' Equity

 
         

Deposits

        

Noninterest-bearing

 $126,695,349  $124,175,615 

Interest-bearing

  496,915,775   502,239,055 

Total deposits

  623,611,124   626,414,670 

Securities sold under repurchase agreements

  5,175,303   5,414,026 

Federal Home Loan Bank of Atlanta advances

  20,000,000   5,000,000 

Long-term debt, net of issuance costs

  15,095,642   16,978,905 

Accrued interest payable

  349,910   295,910 

Other liabilities

  6,203,730   5,952,286 
   670,435,709   660,055,797 
         

Commitments and contingencies

          
         

Stockholders' equity

        

Common stock, par value $.01 per share, authorized 5,000,000 shares; issued and outstanding 3,071,214 in 2022 and 3,037,137 shares in 2021

  30,712   30,372 

Additional paid-in capital

  29,549,914   28,857,422 

Retained earnings

  35,300,166   29,128,600 

Accumulated other comprehensive loss

  (17,105,829)  (1,394,936)
   47,774,963   56,621,458 
  $718,210,672  $716,677,255 

 

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

 

- 43 -
 

 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Income

 

Years Ended December 31,

  

2022

    

2021

  
                 

Interest income

                

Loans, including fees

   $ 22,565,034     $ 23,491,614  

Investment securities - taxable

     2,981,300       1,511,970  

Investment securities - tax exempt

     570,655       611,323  

Federal funds sold and other interest earning assets

     152,664       65,496  

Total interest income

     26,269,653       25,680,403  
                 

Interest expense

                

Deposits

     1,375,691       1,997,873  

Securities sold under repurchase agreements

     12,768       44,628  

Federal Home Loan Bank advances and other borrowings

     757,699       762,798  

Total interest expense

     2,146,158       2,805,299  

Net interest income

     24,123,495       22,875,104  
                 

Provision for loan losses

     475,000       330,000  
                 

Net interest income after provision for loan losses

     23,648,495       22,545,104  
                 

Noninterest income

                

Service charges on deposit accounts

     777,901       724,086  

Mortgage banking income

     214,043       910,513  

Bank owned life insurance income

     229,179       229,966  

Fair value adjustment of equity security

     (62,094 )     (15,354 )

Gain on call of debt security

     -       9,190  

Gain on insurance proceeds, net

     673,483       -  

Gain on sale of SBA loans

     158,123       6,917  

Other

     303,303       300,596  

Total noninterest income

     2,293,938       2,165,914  
                 

Noninterest expense

                

Salaries

     7,865,194       7,214,871  

Employee benefits

     1,798,150       1,718,465  

Occupancy

     890,926       948,757  

Furniture and equipment

     891,250       775,829  

Professional services

     894,715       415,642  

Automated teller machine and debit card expenses

     473,917       352,130  

Federal Deposit Insurance Corporation premiums

     180,196       306,123  

Postage, delivery, and armored carrier

     235,412       185,542  

Advertising

     258,032       233,358  

Other real estate owned

     21,705       190,248  

Other

     1,857,783       1,787,634  

Total noninterest expense

     15,367,280       14,128,599  
                 

Income before income taxes

     10,575,153       10,582,419  

Income taxes

     2,485,026       2,432,813  

Net income

   $ 8,090,127     $ 8,149,606  
                 

Earnings per share - basic and diluted

   $ 2.66     $ 2.70  

 

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

 

- 44 -
 

 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Comprehensive (Loss) Income

 

Years Ended December 31,

  

2022

    

2021

  
                 

Net income

   $ 8,090,127     $ 8,149,606  
                 

Other comprehensive loss, net of income taxes:

                
                 

Securities available for sale

                

Net unrealized loss arising during the period

     (21,675,430 )     (2,889,734 )
                 

Reclassification adjustment for realized gains included in net income

     -       (9,190 )

Total unrealized loss on investment securities available for sale

     (21,675,430 )     (2,898,924 )
                 

Income tax benefit

     5,964,537       797,711  
                 

Total other comprehensive loss

     (15,710,893 )     (2,101,213 )
                 

Total comprehensive (loss) income

   $ (7,620,766 )   $ 6,048,393  

 

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

 

- 45 -
 

 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Changes in Stockholders’ Equity

 

          

Additional

      

Accumulated other

  

Total

 
  

Common stock

  

paid-in

  

Retained

  

comprehensive

  

stockholders'

 
  

Shares

  

Par value

  

capital

  

earnings

  

income (loss)

  

equity

 
                         

Balance, December 31, 2020

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

Net income

  -   -   -   8,149,606   -   8,149,606 

Other comprehensive loss

  -   -   -   -   (2,101,213)  (2,101,213)

Cash dividends, $0.57 per share

  -   -   -   (1,719,960)  -   (1,719,960)

Dividends reinvested

  25,882   259   563,283   -   -   563,542 
                         

Balance, December 31, 2021

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

Net income

  -   -   -   8,090,127   -   8,090,127 

Other comprehensive loss

  -   -   -   -   (15,710,893)  (15,710,893)

Cash dividends, $0.63 per share

  -   -   -   (1,918,561)  -   (1,918,561)

Dividends reinvested

  34,077   340   692,492   -   -   692,832 

Balance, December 31, 2022

  3,071,214  $30,712  $29,549,914  $35,300,166  $(17,105,829) $47,774,963 

 

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

 

- 46 -
 

 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Cash Flows

 

Years Ended December 31,

  

2022

    

2021

  
                 

Cash flows from operating activities

                

Net income

   $ 8,090,127     $ 8,149,606  

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

                

Depreciation and amortization

     482,489       470,943  

Provision for loan losses

     475,000       330,000  

Amortization of right of use asset

     4,355       17,053  

Gain on sale of premises and equipment

     -       (44,510 )

Gain on insurance proceeds

     (673,483 )     -  

Write down of other real estate owned

     -       169,240  

Gain on premium call of debt security

     -       (9,190 )

Equity security dividends reinvested

     (7,634 )     (6,393 )

Fair value adjustment on equity security

     62,094       15,354  

Gain on sale of SBA loans

     (158,123 )     (6,917 )

Deferred income taxes

     (250,672 )     (160,070 )

Amortization of debt issuance costs

     5,625       5,625  

Amortization of premiums and accretion of discounts, net

     (224,663 )     (7,602 )

Bank owned life insurance cash surrender value

     (229,179 )     (229,966 )

Increase (decrease) in

                

Deferred loan fees and costs, net

     (111,160 )     (204,430 )

Accrued interest payable

     54,000       (113,712 )

Other liabilities

     396,538       1,035,504  

Decrease (increase) in

                

Mortgage loans held for sale

     (301,855 )     1,546,850  

Accrued interest receivable

     (206,721 )     448,428  

Other assets

     (250,776 )     298,917  

Cash provided by operating activities

     7,155,962       11,704,730  

 

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

 

- 47 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

Consolidated Statements of Cash Flows

(continued)

 

Years Ended December 31,

  

2022

    

2021

  
                 

Cash flows from investing activities

                

Proceeds from maturity and call of securities

                

Available for sale

     19,994,811       31,327,354  

Held to maturity

     1,456,420       2,171,420  

Purchase of securities

                

Available for sale

     (19,193,215 )     (129,676,971 )

Held to maturity

     -       (842,062 )

Redemption of certificates of deposit

     250,000       500,000  

Loans made to customers, net of principal collected

     (35,960,009 )     39,861,460  

Proceeds from sale of SBA loans

     1,250,154       61,595  

(Purchase) redemption of restricted stock

     (657,100 )     225,100  

Proceeds from sale of premises and equipment

     -       1,387,613  

Proceeds from insurance

     711,214       -  

Purchase of bank owned life insurance

     (2,800,000 )     (28,855 )

Purchase of annuity

     -       (3,671,145 )

Purchases of premises, equipment and software

     (410,843 )     (300,402 )

Cash used in investing activities

     (35,358,568 )     (58,984,893 )
                 

Cash flows from financing activities

                

Net increase (decrease) in

                

Noninterest-bearing deposits

     2,519,734       21,020,502  

Interest-bearing deposits

     (5,162,357 )     32,242,461  

Securities sold under repurchase agreements

     (238,722 )     (19,339,946 )

Federal Home Loan Bank of Atlanta advances

     15,000,000       -  

Long-term debt

     (1,888,889 )     -  

Dividends paid, net of reinvestments

     (1,225,729 )     (1,156,418 )

Cash provided by financing activities

     9,004,037       32,766,599  
                 

Net decrease in cash and cash equivalents

     (19,198,569 )     (14,513,564 )
                 

Cash and cash equivalents at beginning of period

     26,462,106       40,975,670  

Cash and cash equivalents at end of period

   $ 7,263,537     $ 26,462,106  
                 

Supplementary disclosure of cash flow information:

                

Cash paid during the period for interest

   $ 2,239,129       3,154,898  

Cash paid during the period for income taxes

     3,365,318       1,605,500  

Net unrealized loss on securities available for sale

     (21,675,430 )     (2,898,924 )

 

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

 

- 48 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements

 

 

1.

Summary of Significant Accounting Policies

 

The accounting and reporting policies reflected in the financial statements conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. Management makes estimates and assumptions that affect the reported amounts of assets, liabilities, and disclosures of commitments and contingent liabilities at the balance sheet date, and revenues and expenses during the year. These estimates and assumptions may affect the reported amounts of revenue and expenses during the reporting period. Actual results could differ from these estimates.

 

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 is a series investment, 100% owned by the Company, in First Community Bankers Insurance Co., LLC, a Tennessee “series” limited liability company and licensed property and casualty insurance company. Intercompany balances and transactions, including insurance premiums paid by the Bank that were received by the Insurance Subsidiary through an intermediary, have been eliminated. Effective October 1, 2020, the Company acquired Carroll Bancorp, Inc. and its wholly-owned subsidiary, Carroll Community Bank (collectively, “Carroll”), both of which were based in Eldersburg, Maryland, through a series of merger transactions (the “Merger”).

 

Business

The Bank provides banking services to individuals and businesses located in Baltimore County, Maryland, Carroll County, Maryland and surrounding areas of northern Maryland. The Insurance Subsidiary is a captive insurance entity that provides insurance coverage for the Bank. The Bank chose not to renew coverage effective on November 7, 2022, but may do so in the future, The Insurance Subsidiary is still responsible for claims for events that occurred prior to November 7, 2023. Reliable Community Financial Services, Inc. is licensed to provide a wide range of investment and insurance products to its customers, but is inactive.

 

Reclassifications

Certain reclassifications have been made to the 2021 financial statements to conform to the current year presentation. These reclassifications had no effect on net income or stockholders’ equity.

 

Cash and cash equivalents

For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, money market funds, and federal funds sold. Generally, federal funds are purchased and sold for one-day periods.

 

Comprehensive (loss) income

Comprehensive (loss) income includes net income and the unrealized gains or losses on investment securities available for sale, net of income taxes.

 

Investment securities

As debt securities are purchased, management determines if the securities should be classified as held to maturity or available for sale. Securities that management has the intent and ability to hold to maturity are recorded at amortized cost, which is cost adjusted for amortization of premiums and accretion of discounts. Discounts are accreted through maturity. Premiums are amortized through the earliest call date. Securities held to meet liquidity needs or that may be sold before maturity are classified as available for sale and carried at fair value with unrealized gains and losses included in stockholders' equity on an after-tax basis. Gains and losses on disposal are determined using the specific-identification method. The Company amortizes premiums and accretes discounts using the interest method.

 

- 49 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

1.

Summary of Significant Accounting Policies (Continued)

 

The Company regularly evaluates its securities whose values have declined below their amortized cost to assess whether the decline in fair value is other-than-temporary. The Company considers various factors in determining whether a decline in fair value is other-than-temporary including the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads, the expected recovery period and other quantitative and qualitative information. The valuation of securities for impairment is a process subject to estimation, judgment and uncertainty and is intended to determine whether declines in the fair value of investments should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions and future changes in assessments of the aforementioned factors. It is expected that such factors will change in the future, which may result in future other-than-temporary impairments. For impairments of debt securities that are deemed to be other-than-temporary, the credit portion of an other-than-temporary impairment loss is recognized in earnings and the non-credit portion is recognized in accumulated other comprehensive income in those situations where the Company does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security prior to recovery.

 

Equity security at fair value

The Company owns a mutual fund that is measured at fair value with changes in fair value recognized in noninterest income.

 

Restricted stock, at cost

         Restricted stock consists of Federal Home Loan Bank of Atlanta (the “FHLB”) stock, Community Bankers Bank (“CBB”) stock, and Atlantic Community Bankers Bank (“ACBB”) stock. As a member of the FHLB, the Bank is required to purchase FHLB stock in an amount that is based on the Bank’s total assets. Additional stock is purchased and redeemed based on the outstanding FHLB advances to the Bank. CBB and ACBB require its correspondent banking institutions to hold stock as a condition of membership. The restricted investment in bank stocks is carried at cost. On a quarterly basis, management evaluates the bank stocks for impairment based on assessment of the ultimate recoverability of cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of cost is influenced by criteria such as operating performance, liquidity, funding and capital positions, stock repurchase history, dividend history, and impact of legislative and regulatory changes.

 

Loans and allowance for loan losses

Loans are stated at the current amount of unpaid principal, adjusted for deferred origination costs, deferred origination fees, premiums and discounts on acquired loans, and the allowance for loan losses. Interest on loans is accrued based on the principal amounts outstanding. Origination fees and costs, along with premiums and accretable discounts, are amortized to income over the terms of loans.

 

Past due status is based on the contractual terms of the loan. Management may make an exception to reporting a loan as past due, if the past due status is solely due to the loan being past maturity, the Company intends to extend the loan, and the borrower is making principal and interest payments in accordance with the terms of the matured note. The accrual of interest is discontinued when any portion of the principal or interest is 90 days past due and collateral is insufficient to discharge the debt in full. If collection of principal is evaluated as doubtful, all payments are applied to principal. Loans are considered impaired when, based on current information, management considers it unlikely that the collection of principal and interest payments will be made according to contractual terms when due. Generally, loans are not reviewed for impairment until the accrual of interest has been discontinued, the loans are included on the watch list, or the loans are troubled debt restructurings (“TDRs”).

 
- 50 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

1.

Summary of Significant Accounting Policies (Continued)

 

The allowance for loan losses represents an amount which, in management’s judgment, will be adequate to absorb probable and estimable losses on existing loans and other extensions of credit that may become uncollectible. The Company’s allowance for loan losses consists of three elements: (i) segregating the loan portfolio into pools based upon similar characteristics and risk profiles and applying a loss factor to the pools, based on historical losses within those pools; (ii) applying qualitative factors to the loan pools that consider economic and other factors, both internal and external, affecting the Company and the pools; and (iii) determining specific reserves based on individual evaluation of impaired loans that are not included in the pools discussed above.

 

The allowances established for probable and estimable losses on impaired loans are based on a regular analysis and evaluation of problem loans. Management maintains a watch list of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the borrower’s ability to repay; (ii) the underlying collateral, if any; (iii) the economic environment; and (iv) for commercial borrowers, the industry in which the borrower operates. Specific valuation allowances are determined when the collateral value, if the loan is collateral dependent, or the discounted cash flows of the impaired loan is lower than the carrying value.

 

Historical valuation allowances are calculated based on the historical loss experience of specific types of loans. The Company calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual charge-offs experienced to the total population of loans in the pool over the prior twenty quarters. The historical loss ratios are updated quarterly based on actual charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the annual historical loss ratio and the total dollar amount of the loans in the pool.

 

Adjustments to the historical valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Company. In general, such adjustments are determined by evaluating, among other things: (i) the impact of economic conditions on the portfolio; (ii) changes in asset quality, including delinquency trends; (iii) the impact of changing interest rates on portfolio risk; (iv) changes in legislative and regulatory policy; (v) the composition and concentrations of credit; and (vi) the effectiveness of the internal loan review function as well as changes to policies and experience of loan personnel. Management evaluates these qualitative factors on a quarterly basis. Each factor could result in an adjustment that is positive, negative, or no impact.

 

Loan losses are charged to the allowance when management believes that collection is unlikely. Collections of loans previously charged off are added to the allowance at the time of recovery.

 

Loans acquired in connection with business combinations are recorded at fair value with no carryover of any allowance for loan losses. Fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest.

 

Loans acquired through business combinations that are designated as purchase credit impaired loans because they meet the specific criteria of Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality are individually evaluated each period to recast expected cash flows. To the extent that the expected cash flows of a loan have decreased due to credit deterioration, the Company establishes an allowance.

 
- 51 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

1.

Summary of Significant Accounting Policies (Continued)

 

The excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loan. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. These loans are accounted for under ASC 310-30. The nonaccretable difference includes estimated future credit losses expected to be incurred over the life of the loan. Subsequent decreases in expected cash flows will require us to evaluate the need for an addition to the allowance for loan losses. Subsequent improvement in expected cash flows will result in the transfer of a corresponding amount of the nonaccretable difference, which we will then reclassify as accretable discount to be recognized into interest income over the remaining life of the loan.

 

Loans acquired through business combinations that do not meet the specific criteria of ASC 310-30 are accounted for under ASC 310-20, Receivables - Nonrefundable Fees and Other Costs. These loans are initially recorded at fair value, and include credit and interest rate marks associated with acquisition accounting adjustments. Purchase premiums or discounts are subsequently amortized as an adjustment to yield over the estimated contractual lives of the loans. There is no allowance for loan losses established at the acquisition date for acquired performing loans. Subsequent to acquisition, a quarterly comparison of the remaining fair value discount to the required allowance under appropriate methodology is performed. If the fair value discount remains in excess of the required allowance, then no adjustment is made. If the fair value falls below the required reserve, then a charge to the provision is recorded for the shortfall as part of the allowance for loan losses.

 

Mortgage loans held for sale and mortgage banking income

Mortgage loans held for sale are carried at the lower of aggregate cost or fair value based on the current fair value of each outstanding loan. Sales of loans are recorded when the proceeds are received, with any gain or loss recorded in mortgage banking income.

 

The Company sells its mortgage loans to third party investors with servicing released. Upon sale and delivery, loans are legally isolated from the Company and the Company has no ability to restrict or constrain the ability of third party investors to pledge or exchange the mortgage loans. The Company does not have the entitlement or ability to repurchase the mortgage loans or unilaterally cause third party investors to put the mortgage loans back to the Company.

 

Premises and equipment

Land is carried at cost. Premises and equipment are recorded at cost less accumulated depreciation and amortization. Depreciation on buildings and equipment is computed over the estimated useful lives of the assets using the straight-line method. Leasehold improvements are amortized using the straight-line method over the term of the lease or the estimated useful lives of the asset, whichever is shorter.

 

Other real estate owned

Real estate acquired through foreclosure or by deed in lieu of foreclosure is recorded at fair value less estimated costs to sell on the date acquired establishing a new cost basis. Losses          incurred at the time of acquisition of the property are charged to the allowance for loan losses. Subsequent reductions in the estimated value of the property are included with any gains or losses on sale in noninterest expense.

 

Bank owned life insurance

The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

 

- 52 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

1.

Summary of Significant Accounting Policies (Continued)

 

Goodwill and other intangible assets

Goodwill is calculated as the purchase premium, if any, after adjusting for the fair value of net assets acquired in purchase transactions. Goodwill is not amortized but is reviewed for potential impairment on at least an annual basis, with testing between annual evaluation if an event occurs or circumstances change that could potentially reduce the fair value of a reporting unit. Other intangible assets represent purchased assets that can be distinguished from goodwill because of contractual or other legal rights. The Company’s other intangible asset, core deposit intangible (“CDI”) has a finite life and is amortized over 10 years on a straight line basis, which is believed to be substantially the same as the interest method.

 

Revenue recognition

ASC Topic 606 does not apply to revenue associated with the financial instruments, including revenue from loans and securities. The Company’s services that fall within the scope of Topic 606 are presented within noninterest income and are recognized as revenue as the Company satisfies its obligation to the customer. A description of the Company’s noninterest revenue streams is discussed below:

 

Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for overdraft, monthly service fees, and other deposit account related fees. Overdraft fees are recognized when the overdraft occurs. The Company's performance obligation for monthly service fees is generally satisfied over the period in which the service is provided. Other deposit account related fees are largely transactional based, and therefore, the Company's performance obligation is satisfied, and related revenue recognized, at a point in time.                  

 

Interchange Income: The Company earns interchange fees from debit cardholder transactions conducted through various payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services. The Company's analysis of its relationship with its interchange debit card provider is agent based. As a result, income from debit cardholder transactions is presented net against expenses paid to the interchange debit card provider in service charges on deposit accounts on the consolidated statements of income.

 

Other Service Charges and Fees: The Company earns fees from its customers for transaction-based services. Services include, safe deposit box, debit/ATM card income, cashier's check, stop payment and wire transfer fees. In each case, these fees and service charges are recognized in income at the time or within the same period that the services are rendered.

 

Operating leases

The Company accounts for lease obligations in accordance with FASB Accounting Standards Update (“ASU”) 2016-02, “Leases (Topic 842).” Among other things, in the amendments in ASU 2016‑02, lessees are required to recognize the following for all leases (with the exception of qualifying short‑term leases) at the commencement date: (i) a lease liability, which is a lessee’s obligation to make lease payments arising from a lease, measured on a discounted basis; and (ii) a right‑of‑use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. The Company has determined it has no financing or sales type leases as of the balance sheet date.

 

Advertising costs

Advertising costs are expensed in the period incurred and totaled $258,032 and $233,358 for the years ended December 31, 2022 and 2021, respectively.

 

- 53 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

1.

Summary of Significant Accounting Policies (Continued)

 

Income taxes

The provision for income taxes includes income taxes payable for the current year and deferred income taxes. Deferred tax assets and liabilities are determined based on the difference between the financial statement basis and tax basis of assets and liabilities using enacted tax rates in effect for the year in which the differences are expected to reverse.

 

A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.

 

Per share data

Earnings per share is determined by dividing net income by the weighted average number of shares of common stock outstanding, giving retroactive effect to any stock dividends. Weighted average shares were 3,046,377 and 3,018,112 for 2022 and 2021, respectively. Diluted earnings per share is derived by dividing net income available by the weighted-average number of shares outstanding, adjusted for the dilutive effect of outstanding common stock equivalents. No potentially dilutive stock equivalents were outstanding at December 31, 2022 or December 31, 2021.

 

Recent accounting pronouncements

Management has the responsibility for the selection and use of appropriate accounting policies. The significant accounting policies used by the Company are described in the notes to the consolidated financial statements.

 

The following accounting guidance has been approved by the FASB and would apply to the Company if the Company entered into an applicable activity.

 

During June 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.”  The ASU, as amended, requires an entity to measure expected credit losses for financial assets carried at amortized cost based on historical experience, current conditions, and reasonable and supportable forecasts. Among other things, the ASU also amended the impairment model for available for sale securities and addressed purchased financial assets with deterioration.   The Company adopted ASU 2016-13 as of January 1, 2023 in accordance with the required implementation date and recorded the impact of adoption to retained earnings, net of deferred income taxes, as required by the standard. The adjustment recorded at adoption was not significant to the overall allowance for credit losses or shareholders’ equity as compared to December 31, 2022 and consisted of adjustments to the allowance for credit losses on loans and held-to-maturity securities, as well as an adjustment to the Company’s reserve for unfunded loan commitments. Subsequent to adoption, the Company will record adjustments to its allowance for credit losses and reserves for unfunded commitments through the provision for credit losses in the consolidated statements of income.

 

The Company is utilizing a third-party model to tabulate its estimate of current expected credit losses, using an average charge off or loss rate methodology. In accordance with ASC 326, the Company has segmented its loan portfolio based on similar risk characteristics which included call report categories as well as risk grade. The Company primarily utilizes historical loss rates for the CECL calculation based on Company-specific historical losses and supplemented with peer loss history where applicable.  For its reasonable and supportable forecasting of current expected credit losses, the Company analyzes a simple regression using forecasted economic metrics and historical peer loss data. To further adjust the allowance for credit losses for expected losses not already included within the quantitative component of the calculation, the Company may consider the following qualitative adjustment factors: economic conditions, concentrations of credit, interest rates, ability of staff, loan review, trends in loan quality, policy changes, and changes in nature and/or volume of loans. The Company’s CECL implementation process was overseen by the Chief Financial Officer and included an assessment of data availability and gap analysis, data collection, consideration and analysis of multiple loss estimation methodologies, an assessment of relevant qualitative factors and correlation analysis of multiple potential loss drivers and their impact on the Company’s historical loss experience.

 

- 54 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

1.

Summary of Significant Accounting Policies (Continued)

 

In March 2022, FASB issued ASU 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.

 

In March 2020, FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848)”: 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 an alternative reference rate.

 

In December 2022, the FASB issued ASU 2022-06, “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848”. ASU 2022-06 extends the period of time preparers can utilize the reference rate reform relief guidance in Topic 848. The objective of the guidance in Topic 848 is to provide relief during the temporary transition period, so the FASB included a sunset provision within Topic 848 based on expectations of when the London Interbank Offered Rate (LIBOR) would cease being published. In 2021, the UK Financial Conduct Authority (FCA) delayed the intended cessation date of certain tenors of USD LIBOR to June 30, 2023. To ensure the relief in Topic 848 covers the period of time during which a significant number of modifications may take place, the ASU defers the sunset date of Topic 848 from December 31, 2022, to December 31, 2024, after which entities will no longer be permitted to apply the relief in Topic 848.

 

The ASU is effective for all entities upon issuance. The Company is assessing ASU 2022-06 and its impact on the Company’s transition away from LIBOR for its loan and other financial instruments. The Company continues to evaluate systems to assist in the transaction to a new rate.

 

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

 

- 55 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

 

2.

Cash and Cash Equivalents

 

The Company normally carries balances with other banks that exceed the federally insured limit.  The average balance carried in excess of the limit, including unsecured federal funds sold to the same banks, was $11,945,635 and $7,549,531 during the years ended December 31, 2022 and 2021, respectively.

 

Deposits held in noninterest-bearing transaction accounts are aggregated with any interest-bearing deposits the owner may hold in the same category. The combined total is insured up to $250,000.

 

Banks are required to carry noninterest-bearing cash reserves of specified percentages of deposit balances. The Company's normal balances of cash on hand and on deposit with other banks are sufficient to satisfy the reserve requirements. The FRB reserve requirement was $0 at December 31, 2022 and 2021.

 

 

3.

Investment Securities

 

Debt securities are summarized as follows:

 

  

Amortized

  

Unrealized

  

Unrealized

  

Fair

 

December 31, 2022

 

cost

  

gains

  

losses

  

value

 
                 

Available for sale

                
                 

State and municipal

 $570,122  $-  $17,841  $552,281 

SBA pools

  1,033,606   1,425   15,234   1,019,797 

Corporate bonds

  10,414,146   -   1,024,250   9,389,896 

Mortgage-backed securities

  137,896,519   -   22,544,044   115,352,475 
  $149,914,393  $1,425  $23,601,369  $126,314,449 
                 

Held to maturity

                
                 

State and municipal

 $20,508,997  $4,176  $1,633,378  $18,879,795 
                 

December 31, 2021

                
                 

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 

 

- 56 -
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

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

 

December 31, 2022

 

cost

  

value

  

cost

  

value

 
                 

Within one year

 $580,522  $564,841  $330,000  $330,175 

Over one to five years

  3,079,483   2,937,072   474,937   469,235 

Over five to ten years

  7,324,263   6,440,264   3,308,340   3,162,389 

Over ten years

  -   -   16,395,720   14,917,996 
   10,984,268   9,942,177   20,508,997   18,879,795 

Mortgage-backed securities and SBA pools, due in monthly installments

  138,930,125   116,372,272   -   - 
  $149,914,393  $126,314,449  $20,508,997  $18,879,795 

 

Securities with a carrying value of $24,258,980 and $14,307,989 as of December 31, 2022 and 2021, respectively, were          pledged as collateral for securities sold under repurchase agreements and other collateralized deposits.

 

 

The following table sets forth the Company's gross unrealized losses on a continuous basis for investment securities, by category and length of time.

 

 

December 31, 2022

 

Less than 12 months

  

12 months or more

  

Total

 
      

Unrealized

      

Unrealized

      

Unrealized

 

Description of investments

 

Fair value

  

losses

  

Fair value

  

losses

  

Fair value

  

losses

 
                         

State and municipal

 $13,668,676  $1,057,412  $1,537,715  $593,807  $15,206,391  $1,651,219 

SBA pools

  -   -   857,259   15,234   857,259   15,234 

Corporate bonds

  4,184,875   356,746   4,805,021   667,504   8,989,896   1,024,250 

Mortgage-backed securities

  25,284,430   2,293,151   90,068,045   20,250,893   115,352,475   22,544,044 

Total

 $43,137,981  $3,707,309  $97,268,040  $21,527,438  $140,406,021  $25,234,747 

 

- 57 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

3.

Investment Securities (Continued)

 

December 31, 2021

 

Less than 12 months

  

12 months or more

  

Total

 
      

Unrealized

      

Unrealized

      

Unrealized

 

Description of investments

 

Fair value

  

losses

  

Fair value

  

losses

  

Fair value

  

losses

 
                         

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 

 

Management has the ability and intent to hold securities classified as held to maturity until they mature, at which time the Company should receive full value for the securities. As of December 31, 2022, management did not have the intent to sell any of the securities before a recovery of cost. The unrealized losses are 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 investment 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 these factors, as of December 31, 2022, management believes the unrealized losses detailed in the table above are temporary and, accordingly, none of these unrealized losses have been recognized in the Company’s consolidated statement of income.

 

In 2022, there were no security sales.

 

In 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.

 

 

4.

Related Party Transactions

 

Certain executive officers and directors of the Company, including members of their immediate families and companies in which they are significant owners (more than 10%), were indebted to the Company during 2022 and 2021. The loans were made on the same terms, including interest rates and collateral, as those prevailing at the time for comparable loans with borrowers who are not related to the Company. During the years ended December 31, 2022 and 2021, the activity of these loans was as follows:

 

  

2022

  

2021

 
         

Balance, beginning of year

 $13,822,556  $14,558,882 

Additions

  3,274,719   2,489,000 

Amounts collected

  (4,869,554)  (3,225,326)

Balance, end of year

 $12,227,721  $13,822,556 

 

Unused lines of credit to related parties totaled $208,100 and $143,000 at December 31, 2022 and 2021, respectively.

 
- 58 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

4.

Related Party Transactions (Continued)

 

Letters of credit issued to related parties totaled $15,847 and $0 at December 31, 2022 and 2021, respectively.

 

Deposits at the Company from related parties totaled $10,138,362 and $27,187,933 at December 31, 2022 and 2021, respectively.

 

Payments to companies controlled by directors totaled $54,624 in 2022 and $40,754 in 2021.

 

On March 31, 2021, a company of which one of the Company’s directors is a co-owner purchased real property from the Company that was acquired in the Merger and on which Carroll previously operated a branch, resulting in net proceeds of $1,359,613. To finance the purchase of this real property, the Company made a loan to the buyer in the principal amount of approximately $1,096,000.

 

 

5.

Loans

 

Major categories of loans at December 31, 2022 and 2021 are as follows:

 

  

2022

  

2021

 
         

Real estate:

        

Commercial

 $351,794,702  $319,185,116 

Construction and land development

  23,978,373   28,221,854 

Residential

  114,683,149   107,436,033 

Commercial

  31,066,497   31,182,206 

Consumer

  156,422   355,958 
   521,679,143   486,381,167 

Less: Allowance for loan losses

  4,150,198   3,650,268 

Deferred origination fees net of costs

  608,405   719,565 
  $516,920,540  $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 December 31, 2022 and December 31, 2021, respectively, which are 100% guaranteed by the Small Business Administration (“SBA”). There were no PPP loans originated in 2022 compared to $22 million originated during 2021.

 

Year-end nonaccrual loans, segregated by class of loans, were as follows:

 

  

2022

  

2021

 
         

Real estate:

        

Commercial

 $502,961  $4,810,965 

Residential

  -   31,500 

Commercial

  152,449   152,449 

Total

 $655,410  $4,994,914 

 

- 59 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

5.

Loans (Continued)

 

At December 31, 2022, the Company had one non-accrual commercial real estate loan totaling $502,961 and one non-accrual commercial loan totaling $152,449. The commercial loan was secured by business assets and was personally guaranteed. Gross interest income of $45,856 would have been recorded in 2022 if these non-accrual loans had been current and performing in accordance with the original terms. The Company allocated $281,910 of its allowance for loan losses to these non-accrual loans.

 

At December 31, 2021, the Company had two non-accrual commercial real estate loan totaling $4,810,965, one non-accrual residential real estate loans totaling $31,500, and one non-accrual commercial loan totaling $152,449. The real estate loan was secured by real estate and business assets and was 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 non-accrual loans had been current and performing in accordance with the original terms. The Company allocated $281,910 of its allowance for loan losses to these non-accrual loans. The balance of the non-accrual 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 class of loans, as of year-end, 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

 

December 31, 2022

                            

Real estate:

                            

Commercial

 $-  $-  $502,961  $502,961  $351,291,741  $351,794,702  $- 

Construction and land development

  -   -   -   -   23,978,373   23,978,373   - 

Residential

  311,409   -   -   311,409   114,371,740   114,683,149   - 

Commercial

  -   -   152,449   152,449   30,914,048   31,066,497   - 

Consumer

  -   -   -   -   156,422   156,422   - 

Total

 $311,409  $-  $655,410  $966,819  $520,712,324  $521,679,143  $- 
                             

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 

 

- 60 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

5.

Loans (Continued)

 

Year-end impaired loans, segregated by class of loans, 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

 

December 31, 2022

                            

Commercial real estate

 $7,019,415  $6,516,454  $502,961  $7,019,415  $129,461  $6,920,174  $223,476 

Residential real estate

  256,350   256,350   -   256,350   -   147,789   10,594 

Commercial

  152,449   -   152,449   152,449   152,449   152,449   - 
  $7,428,214  $6,772,804  $655,410  $7,428,214  $281,910  $7,220,412  $234,070 
                             

December 31, 2021

                            

Commercial real estate

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

Construction and land development

  -   -   -   -   -   -   - 

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 certain loans, classified as TDRs that have been modified to grant economic concessions to borrowers who have experienced or are expected to experience 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 December 31, 2022, the Company had two commercial real estate loans totaling $6,516,454 and two residential loans totaling $256,350 that were classified as TDRs. All four loans are included in impaired loans above. Each loan is paying as agreed. None of the borrowers has defaulted nor have there been charge-offs or allowances associated with the four loans. One of the commercial real estate loans with a principal balance of $4,542,896 and one of the residential loans with a principal balance of $222,767 were restructured as TDRs during 2022.

 

At December 31, 2021, the Company had one commercial real estate loan totaling $2,009,967 and one residential loan totaling $39,228 classified as TDRs. Both loans are included in impaired loans above. Each loan is paying as agreed. None of the borrowers has defaulted nor have there been charge-offs or allowances associated with the two loans. There were no new TDRs in 2021.

 

- 61 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

5.

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 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 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 Bank's credit position at some future date. Special mention loans are not adversely classified and do not expose the Bank to sufficient risk to warrant adverse classification. This classification is intended to be temporary while the Bank learns more about the condition of the borrower and the collateral.

 

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 inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank 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. These loans require more intense supervision by Bank management.

 

Doubtful

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

 

- 62 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

5.

Loans (Continued)

 

Loans by credit grade, segregated by loan type, at year-end, are as follows:

 

      

Above

          

Pass

  

Special

             

December 31, 2022

 

Excellent

  

average

  

Average

  

Acceptable

  

watch

  

mention

  

Substandard

  

Doubtful

  

Total

 
                                     

Real estate:

                                    

Commercial

 $-  $-  $65,908,980  $201,854,424  $70,826,837  $3,558,954  $9,645,507  $-  $351,794,702 

Construction and land development

  -   -   3,845,351   12,087,402   8,045,620   -   -   -   23,978,373 

Residential

  15,613   573,108   35,774,807   63,833,864   10,815,681   1,397,282   2,272,794   -   114,683,149 

Commercial

  178,916   -   4,347,337   16,039,145   9,773,961   574,689   152,449   -   31,066,497 

Consumer

  722   15,715   93,684   4,439   6,481   -   -   35,381   156,422 
  $195,251  $588,823  $109,970,159  $293,819,274  $99,468,580  $5,530,925  $12,070,750  $35,381  $521,679,143 

 

      

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 following tables detail activity in the allowance for loan losses by portfolio for the years ended December 31, 2022 and 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

              

balance evaluated for impairment:

  

evaluated for impairment:

 
  

Beginning

  

for loan

  

Charge

      

Ending

  

Purchase Credit

  

Purchase Credit

 

December 31, 2022

 

balance

  

losses

  

offs

  

Recoveries

  

balance

  

Individually

  

Impaired

  

Collectively

  

Individually

  

Impaired

  

Collectively

 
                                             

Real estate:

                                            

Commercial

 $2,482,930  $343,424  $(7,772) $-  $2,818,582  $129,461  $-  $2,689,121  $7,019,415  $-  $344,775,287 

Construction and land development

  214,547   (66,151)  -   16,200   164,596   -   -   164,596   -   369,622   23,608,751 

Residential

  603,558   171,391   -   18,970   793,919   -   -   793,919   256,350   209,583   114,217,216 

Commercial

  255,413   84,358   (2,468)  -   337,303   152,449   -   184,854   152,449   -   30,914,048 

Consumer

  4,370   336   -   -   4,706   -   -   4,706   -   -   156,422 

Unallocated

  89,450   (58,358)  -   -   31,092   -   -   31,092   -   -   - 
  $3,650,268  $475,000  $(10,240) $35,170  $4,150,198  $281,910  $-  $3,868,288  $7,428,214  $579,205  $513,671,724 

 

- 63 -
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

5.

Loans (Continued)

 

                      

Allowance for loan losses ending

  

Outstanding loan balances

 
      

Provision

              

balance evaluated for impairment:

  

evaluated for impairment:

 
  

Beginning

  

for loan

  

Charge

      

Ending

  

Purchase Credit

  

Purchase Credit

 

December 31, 2021

 

balance

  

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 

 

Loans acquired from Carroll were measured at fair value at the acquisition date with no carryover of any allowance for loan losses. The following table provides activity for the accretable credit discount of purchased loans:

 

Balance at December 31, 2021

 $1,629,242 

Transfer to accretable

  - 

Accretion

  (698,269)

Balance at December 31, 2022

 $930,973 

 

During 2021, accretion of $1,081,403 was recorded.         

 

At December 31, 2022, the nonaccretable difference on purchased credit impaired loans was $233,411, a decrease of $233,176 from December 31, 2021 as a result of a loan pay off. At December 31, 2022, the accretable discount on purchased credit impaired loans was $0 after the accretion of $140,608 as a result of a loan payoff. At December 31, 2022, the remaining yield premium on purchased loans was $878,756. Yield premium amortization was $526,377 and $718,875 in 2022 and 2021, respectively. At December 31, 2022, the principal balance of purchased loans was $86,649,656 and the carrying value was $86,364,028.

 

Loans having an aggregate balance of approximately $458.9 million were pledged as collateral to the FHLB as of December 31, 2022. Loans having an aggregate balance of approximately $62.7 million were pledged as collateral to the Federal Reserve Bank of Richmond (the “FRB”) as of December 31, 2022. At December 31, 2022 and 2021, the Company serviced participation loans for others totaling $13.5 and $22.1 million, respectively.

 

The Company makes loans to customers located primarily in Baltimore County and Carroll County, Maryland and in surrounding areas of northern Maryland. Although management believes that the loan portfolio is diversified, many loans are secured by real estate and its performance will be influenced by the economy of the region, including local real estate markets.

 

- 64 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

 

6.

Premises and Equipment

 

A summary of premises and equipment is as follows:

 

  

Useful lives

  

2022

  

2021

 
             

Land and improvements

  -  $2,602,998  $2,602,998 

Buildings and improvements

 

15-39 years

   6,171,003   6,302,622 

Furniture and equipment

 

3-10 years

   5,162,976   4,752,133 
       13,936,977   13,657,753 

Accumulated depreciation and amortization

      7,750,383   7,398,332 
      $6,186,594  $6,259,421 
             

Depreciation and amortization expense

     $445,939  $434,434 

 

In July 2022, the Company’s Upperco, Maryland location incurred significant storm damage to the building and its contents. Insurance proceeds of $779,064 were received. $67,850 was used to repair the roof. The remainder of $711,214 less the book value of the damaged portion of the building and contents of $37,732 resulted in a gain of $673,483.

 

On March 31, 2021, the Company sold real property for net proceeds of $1,359,613. The carrying value of the land, building, and furniture and equipment at the time of the sale was $1,322,000, resulting in a gain of $37,613.

 

Software with a net book value of $90,927 and $118,614 as of December 31, 2022 and 2021, respectively, is included in other assets. Amortization expense of $36,550 and $36,509 was recorded in 2022 and 2021, respectively.

 

 

7.

Goodwill and Other Intangibles

 

The Merger 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, 2020

 $6,978,208  $81,200  $7,059,408 

Amortization

  -   (8,328)  (8,328)

Balance at December 31, 2021

  6,978,208   72,872   7,051,080 

Amortization

  -   (8,328)  (8,328)

Balance at December 31, 2022

 $6,978,208  $64,544  $7,042,752 

 

The CDI is being amortized over 10 years on a straight line basis. Annual amortization will be $8,328 per year and $6,246 in year 10. Since the Merger was a tax-free reorganization, goodwill and CDI are not deductible for income tax purposes.

 

- 65 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

 

8.

Commitments and Contingencies

 

Lease Commitments

 

The Company has an operating lease for the land on which the Hampstead branch is located. The initial term of the lease expired on September 30, 2009 and the lease was renewed for three five year terms with an expiration date of September 30, 2024. The lease has options to renew for five additional consecutive five-year terms. Effective in July 2012, the Company entered into an operating lease for certain facilities where the Greenmount branch is located. The initial term of the lease was for five years and, effective January 2018, the lease has been renewed for one five-year term with an option to renew for an additional five-year term. The Company entered into an operating lease for the corporate headquarters in June 2015. In July 2019, the lease was amended to increase the amount of space. The lease was renewed in June 2020 with options to renew for three additional consecutive five year terms. In May 2018, the Company entered into a lease for its Carroll Lutheran Village branch with a term of five years and the option to renew for two additional five year terms.

 

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

 

 

Consolidated Balance

        
 

Sheet classification

 

December 31, 2022

  

December 31, 2021

 

Operating lease right of use asset

Other assets

 $943,933  $1,093,382 

Operating lease liabilities

Other liabilities

  1,166,476   1,311,570 

 

Operating lease cost included in occupancy expense in the statement of income was $188,909 during 2022 and $191,913 during 2021.

 

Future undiscounted lease payments for operating leases with initial terms of one year or more as of December 31, 2022 are as follows:

 

Year

 

Amount

 
     

2023

 $188,734 

2024

  194,252 

2025

  199,944 

2026

  205,816 

2027

  211,874 

Thereafter

  282,496 

Total lease payments

  1,283,116 

Less imputed interest

  (116,640)

Present value of operating lease liabilities

 $1,166,476 

 

For operating leases as of December 31, 2022, the weighted average remaining lease term is 6.54 years and the weighted average discount rate is 3.25%. During the years ended December 31, 2022 and 2021, cash paid for amounts included in the measurement of lease liabilities was $184,554 and $174,860, respectively.

 

- 66 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

8.

Commitments and Contingencies (continued)

 

Credit Commitments

 

Outstanding loan commitments, unused lines of credit, and letters of credit as of December 31, were as follows:

 

  

2022

  

2021

 
         

Loan commitments

        

Construction and land development

 $911,500  $6,810,353 

Commercial

  398,046   630,000 

Commercial real estate

  9,264,000   23,552,400 

Residential

  3,402,371   3,804,617 
  $13,975,917  $34,797,370 
         

Unused lines of credit

        

Home-equity lines

 $12,086,758  $12,707,519 

Commercial lines

  25,464,025   28,828,911 
  $37,550,783  $41,536,430 
         

Letters of credit

 $1,403,956  $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 necessarily 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.

 

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.

 

Insurance Reserves

 

Until November 6, 2022, through reinsurance and pooling arrangements, the Insurance Subsidiary insured risks of the Bank (primarily professional liability) that were not available in typical commercially available policies. In addition, the Insurance Subsidiary, as one protected cell of a protected cell captive insurance company, is responsible for a portion of all claims filed by the other captive insurance companies that participate in the pool in which the Insurance Subsidiary participates. The Company records liabilities for claims incurred but not reported based on historical loss information and claim emergence patterns. Total liabilities related to Insurance Subsidiary claims at December 31, 2022 and 2021 were $530,720 and $390,171, respectively, and are included in other liabilities in the Consolidated Balance Sheet. The Bank did not renew the policy through the Insurance Subsidiary after the previous policy expired on November 6, 2022. The Bank may renew the policy at a later date.

 

- 67 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

 

9.

Retirement Plans

 

The Company has a profit sharing plan qualifying under Section 401(k) of the Internal Revenue Code. All employees age 21 or more 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 $256,251 and $259,042 for 2022 and 2021, respectively.

 

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. Some of the policies provide benefits subsequent to the employee’s employment with the Company. For this plan, the Company expensed $6,809 and $6,643 in 2022 and 2021, respectively.

 

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, including interest, of $154,911 and $168,129 in 2022 and 2021, respectively, for these plans.

 

Retirement plan expenses are included in employee benefits on the Consolidated Statements of Income.

 

 

10.

Interest-Bearing Deposits

 

Major classifications of interest-bearing deposits are as follows:

 

  

2022

  

2021

 
         

NOW

 $135,716,736  $130,486,845 

Money market

  99,173,640   90,994,339 

Savings

  103,308,454   99,959,988 

Certificates of deposit, greater than $250,000

  37,976,238   34,697,273 

Other time deposits

  120,740,707   146,100,610 
  $496,915,775  $502,239,055 

 

As of December 31, 2022, certificates of deposit mature as follows:

 

Year

 

Amount

 
     

2023

 $110,590,325 

2024

  39,187,383 

2025

  4,711,082 

2026

  2,570,470 

2027

  1,657,685 
  $158,716,945 

 

In connection with the Merger, the Company recognized a certificate of deposit premium of $616,377, which is being accreted using the interest method based upon the maturity of each certificate of deposit. Accretion of $160,923 and $249,840 were recorded in 2022 and 2021, respectively.

 

 

11.

Borrowed Funds

 

Borrowed funds consist of securities sold under repurchase agreements, which represent overnight or term borrowings from customers, advances from the FHLB of Atlanta, the FRB, and overnight borrowings from a commercial bank. The government agency securities that are the collateral for these agreements are owned by the Company and maintained in the custody of an unaffiliated agent designated by the Company.

 

- 68 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

11.

Borrowed Funds (Continued)

 

On September 30, 2020, Farmers and Merchants Bancshares, Inc. borrowed $17,000,000 from First Horizon Bank (“FHN”) to be used, on October 1, 2020, to fund a portion of the merger consideration paid in the Merger. Net of issuance costs of $28,126, the proceeds of the net long-term debt were $16,971,874. The loan matures on September 30, 2025. The interest rate on the loan is fixed at 4.10%. The Company made quarterly interest-only payments 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 is 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 the lender.

 

Additional information is as follows:

 

      

2022

  

2021

 
             

Amounts outstanding at year-end:

            

Securities sold under repurchase agreements

     $5,175,303  $5,414,026 
             

Federal Home Loan Bank advances:

            

Maturity date

 

Interest Rate

  

Amount

 

3/30/2025 - fixed rate

  1.00%   5,000,000   5,000,000 

11/20/2023 - daily rate

  4.57%   15,000,000   - 
             
  

Total

  $20,000,000  $5,000,000 

Long-term debt (net of issuance costs):

            

Maturity date

 

Interest Rate

  

Amount

 

9/30/2025

  4.10%   15,095,642   16,978,905 

Weighted average rate paid at December 31:

            

Securities sold under repurchase agreements

      0.30%  0.31%

Federal Home Loan Bank advances

      3.68%  1.00%

Long-term debt

      4.10%  4.10%
             

Average rate paid during the year ended December 31:

         

Securities sold under repurchase agreements

      0.30%  0.43%

Federal Home Loan Bank advances

      1.55%  1.01%

Long-term debt

      4.10%  4.10%
             

Investment securities underlying the repurchase agreements at December 31:

     

Carrying value

     $11,389,983  $7,062,928 
             

Loans pledged to the Federal Home Loan Bank at December 31:

         

Carrying value - loans

     $458,863,387  $111,547,027 
             

Loans pledged to the Federal Reserve Bank at December 31:

         

Carrying value

     $62,720,368  $55,399,031 

 

The Company is approved to borrow approximately $60.5 million against eligible pledged single family residential loans, eligible pledged multi-family loans, eligible pledged commercial loans, and eligible pledged securities under a secured line of credit with the FHLB. In addition, the Company has a facility with the FRB whereby the Company can borrow up to $25.4 million. The Company also has available an unsecured federal funds line of credit of $14.5 million and a secured federal funds line of credit of $9 million from commercial banks.

 

- 69 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

 

12.

Income Taxes

 

The components of income tax expense are as follows:

 

  

2022

  

2021

 

Current

        

Federal

 $1,852,205  $1,798,535 

State

  883,493   794,348 
   2,735,698   2,592,883 

Deferred

  (250,672)  (160,070)
  $2,485,026  $2,432,813 

 

The components of the deferred tax expense are as follows:

 

  

2022

  

2021

 

Depreciation

 $15,108  $8,291 

Insurance proceeds for storm damage

  185,326  $- 

Provision for loan losses

  (160,332)  (141,488)

Other real estate owned allowance for loss

  -   (46,561)

Nonaccrual interest

  (29,429)  (83,961)

Prepaid captive insurance premium

  (357,518)  (14,375)

Write-down of equity securities

  (11,583)  (4,227)

Lease liability, net of right of use asset

  (1,198)  (4,693)

Purchase accounting adjustments

  153,455   175,037 

Post-retirement benefits

  (44,501)  (48,093)
  $(250,672) $(160,070)

 

The components of the net deferred tax asset are as follows:

 

  

2022

  

2021

 

Deferred tax assets

        

Allowance for loan losses

 $1,111,679  $951,348 

Other real estate owned allowance for loss

  434,628   434,628 

Capital loss carryover

  -   5,300 

Nonaccrual interest

  118,010   88,581 

Post-retirement benefits

  695,983   651,482 

Purchase accounting adjustments

  81,687   235,142 

Unrealized loss on securities available for sale

  6,433,263   468,726 

Lease liability, net of right of use asset

  61,238   60,040 

Other

  21,079   - 
   8,957,567   2,895,247 

Deferred tax liabilities

        

Prepaid captive insurance premium

  -   357,518 

Depreciation

  364,008   348,900 

Insurance proceeds from storm damage

  185,326   - 

Other

  15,575   11,379 
   564,909   717,797 

Net deferred tax asset

 $8,392,658  $2,177,450 

 

- 70 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

12.

Income Taxes (continued)

 

The differences between the federal income tax rate in effect each year and the effective tax rate for the Company are reconciled as follows:

 

  

2022

  

2021

 

Statutory federal income tax rate

  21.0

%

  21.0

%

Increase (decrease) resulting from:

        

Federal tax-exempt income

  (3.6)  (4.4)

State income taxes, net of federal income tax benefit

  5.8   5.8 

Other

  0.3   0.6 
   23.5

%

  23.0

%

 

Included in Federal tax-exempt income is the insurance premium revenue of the Insurance Subsidiary.

 

The IRS recently audited our fiscal year 2016, 2017, and 2018 U.S. consolidated federal tax returns. As part of its audits, the IRS reviewed the deductions related to, and the income generated by, the Insurance Subsidiary. Following the completion of these audits, the IRS notified the Company that it disagrees with our tax treatment of the Insurance Subsidiary. The Company has appealed the determination, and management believes that it is more than likely that the Company will prevail in that appeal. If we do not prevail in our appeal to this decision, then we could be required to pay taxes, interest, and penalties totaling approximately $3.0 million as of December 31, 2022 for the tax years under appeal. In addition, the IRS is also auditing our fiscal year 2019, 2020, and 2021 U.S. consolidated federal tax returns. Management cannot predict whether any of the tax positions taken in our 2019, 2020 or 2021 tax returns will be challenged by the IRS or, if challenged, whether we will be successful in defending those tax positions. If we are not successful in defending a challenge, then we may be required to amend the applicable tax return and pay additional taxes, interest, fines and/or penalties and our taxable earnings and/or the effective tax rate on our future earnings could increase substantial. In light of the foregoing, a reserve for uncertain tax positions has not been recorded.

 

The Company does not have other material uncertain tax positions and did not recognize any adjustments for unrecognized tax benefits. The Company remains subject to examination of income tax returns for the years ending after December 31, 2018.

 

 

13.

Capital Standards

 

The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and 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.

 

The Basel III Capital Rules became effective for the Bank on January 1, 2015 (subject to a phase-in period for certain provisions). 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).

 

- 71 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

13.

Capital Standards (continued)

 

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.

 

Under the revised prompt corrective action requirements, 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%.

 

The implementation of the capital conservation buffer began on January 1, 2015, 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.

 

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.

 

On September 17, 2019, the FDIC finalized a rule that introduces an optional simplified measure of capital adequacy for qualifying community banking organizations (i.e., the community bank leverage ratio (“CBLR”) framework), as required by the Economic Growth, Regulatory Relief and Consumer Protection Act. The CBLR framework is designed to reduce burden by removing the requirements for calculating and reporting risk-based capital ratios for qualifying community banking organizations that opt into the framework.

 

On April 6, 2020, in a joint statement, the FDIC, Federal Reserve and the Office of Comptroller of the Currency (“OCC”), issued two interim final rules regarding temporary changes to the CBLR framework to implement provisions of the CARES Act. Under the interim final rules, the community bank leverage ratio was reduced to 8% beginning in the second quarter and for the remainder of calendar year 2020, 8.5% for calendar year 2021, and 9% thereafter. In order to qualify for the CBLR framework, a community banking organization must have a tier 1 leverage ratio of greater than 8%, less than $10 billion in total consolidated assets, and limited amounts of off-balance-sheet exposures and trading assets and liabilities. A qualifying community banking organization that opts into the CBLR framework and meets all requirements under the framework will be considered to have met the well-capitalized ratio requirements under the Prompt Corrective Action regulations and will not be required to report or calculate risk-based capital. The Company has not opted-in to the CBLR framework.

 

The following table presents actual and required capital ratios as of December 31, 2022 and 2021, for the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of December 31, 2022 and 2021, based on the 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.

 

- 72 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

13.

Capital Standards (continued)

 

As of December 31, 2022 the most recent notification from the FDIC has categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain ratios as set forth in the table. There have been no conditions or events since that notification that management believes have changed the Bank's category. Capital ratios of the Company are substantially the same as the Bank’s.

 

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. The following table presents actual and required capital ratios as of December 31, 2022 and 2021, for the Bank under the Basel III Capital Rules.

 

          

Minimum

  

To Be Well

 

(Dollars in thousands)

 

Actual

  

Capital Adequacy

  

Capitalized

 

December 31, 2022

 

Amount

  

Ratio

  

Amount

  

Ratio

  

Amount

  

Ratio

 
                         

Total capital (to risk-weighted assets)

 $75,826   12.96% $61,410   10.50% $58,486   10.00%

Tier 1 capital (to risk-weighted assets)

  71,676   12.26%  49,713   8.50%  46,789   8.00%

Common equity tier 1 (to risk- weighted assets)

  71,676   12.26%  40,940   7.00%  38,016   6.50%

Tier 1 leverage (to average assets)

  71,676   9.83%  29,167   4.00%  36,459   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%

 
 

14.

Fair Value

 

Accounting standards define fair value as the price that would be received upon the sale of an asset or paid upon the transfer of a liability in an orderly transaction between market participants (an “exit” price). The price in the principal market used to measure the fair value of the asset or liability is not adjusted for transaction costs. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact.

 

The standards require the use of valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the service capacity of an asset (replacement cost). Valuation techniques should be consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. The standards establish a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs.

 

- 73 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

14.

Fair Value (Continued)

 

The fair value hierarchy is as follows:

 

 

●

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the Company 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. For securities where quoted market prices for similar securities are not available, the book value of the security is used as the fair value.

 

 

●

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.

 

 

●

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. State of Maryland regulations require that OREO is written down to $0 after a certain period of time.

 

 

●

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.

 

- 74 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

14.

Fair Value (Continued)

 

The following table summarizes financial assets measured at fair value on a recurring and nonrecurring basis as of December 31, 2022 and 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

 

December 31, 2022

                

Recurring:

                

Available for sale securities

                

State and municipal

 $-  $552,281  $-  $552,281 

SBA pools

  -   1,019,797   -   1,019,797 

Corporate bonds

  -   8,989,896   400,000   9,389,896 

Mortgage-backed securities

  -   115,352,475   -   115,352,475 
  $-  $125,914,449  $400,000  $126,314,449 
                 

Equity security at fair value

 $489,145  $-  $-  $489,145 

Nonrecurring:

                

Other real estate owned, net

 $-  $-  $1,242,365  $1,242,365 

Impaired loans

  -   -   373,500   373,500 
                 

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

 $543,605  $-  $-  $543,605 

Nonrecurring:

                

Other real estate owned, net

 $-  $-  $1,242,365  $1,242,365 

Impaired loans

  -   -   373,500   373,500 

 

The following table provides information describing the unobservable inputs used in level 3 fair value measurements at December 31, 2022 and 2021:

 

December 31, 2022 and 2021

       
           

Description of Asset

 

Fair Value

 

Valuation technique

Unobservable Inputs

 

Range (Average)

 
           

Loans with Impairment

 $373,500 

Third party appraisals and in-house real estate valuations of fair value

Marketability/selling costs and current market conditions

  0%to20%(10%)
           

Other real estate loans

 $1,242,365 

Third party appraisals and in-house real estate valuations of fair value

Marketability/selling costs and current market conditions

  0%to10%(5%)

 

- 75 -
 
 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

14.

Fair Value (continued)

 

Reconciliation of Level 3 Inputs

 
     
  

Corporate

 
  

Bonds

 
     

December 31, 2021 fair value

 $650,000 

Additions

  - 

Principal payments received

  - 

Transfer to level 2

  (250,000)

December 31, 2022 fair value

 $400,000 

 

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:

 

  

December 31, 2022

  

December 31, 2021

 
  

Carrying

  

Estimated

  

Carrying

  

Estimated

 
  

Amount

  

Fair Value

  

Amount

  

Fair Value

 

Financial assets

                

Level 1 inputs

                

Cash and cash equivalents

 $7,263,537  $7,263,537  $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

  1,815,784   1,815,784   1,609,063   1,609,063 

Securities held to maturity

  17,537,377   15,908,175   18,778,935   19,732,561 

Mortgage loans held for sale

  428,355   434,271   126,500   128,829 

Restricted stock, at cost

  1,332,500   1,332,500   675,400   675,400 

Bank owned life insurance

  14,585,342   14,585,342   11,556,163   11,556,163 

Level 3 inputs

                

Securities held to maturity (1)

  2,971,620   2,971,620   3,073,040   3,073,040 

Loans, net

  516,920,540   503,144,771   482,011,334   487,012,970 
                 

Financial liabilities

                

Level 1 inputs

                

Noninterest-bearing deposits

 $126,695,349  $126,695,349  $124,175,615  $124,175,615 

Securities sold under repurchase agreements

  5,175,303   5,175,303   5,414,026   5,414,026 

Level 2 inputs

                

Interest-bearing deposits

  496,915,775   492,769,775   502,239,055   502,396,172 

Federal Home Loan Bank advances

  20,000,000   19,622,000   5,000,000   4,967,000 

Long-term debt

  15,095,642   14,241,237   16,978,905   17,298,111 

Accrued interest payable

  349,910   349,910   295,910   295,910 

 

(1) - Debt securities recorded at book value with unrealized gain/loss estimated to be immaterial.

 

- 7
6 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

 

15.

Parent Company Financial Information

 

The condensed financial statements for the Company (parent only) are presented below:

 

Balance Sheets

 
         

December 31,

 

2022

  

2021

 
         

Assets

 
         

Cash and cash equivalents

 $806,384  $930,354 

Investment in subsidiaries

  62,064,533   72,662,265 

Other assets

  158,127   185,866 
  $63,029,044  $73,778,485 
         

Liabilities and Stockholders' Equity

 
         

Long-term debt

 $15,095,642  $16,978,905 

Accrued interest payable

  158,439   178,122 
   15,254,081   17,157,027 

Stockholders' equity

        

Common stock, par value $.01 per share, authorized 5,000,000 shares; issued and outstanding 3,071,214 in 2022 and 3,037,137 shares in 2021

  30,712   30,372 

Additional paid-in capital

  29,549,914   28,857,422 

Retained earnings

  35,300,166   29,128,600 

Accumulated other comprehensive income

  (17,105,829)  (1,394,936)
   47,774,963   56,621,458 
  $63,029,044  $73,778,485 

 

Statements of Income

 
         

Years Ended December 31,

 

2022

  

2021

 
         

Income

        

Cash dividends from subsidiaries

 $3,574,000  $2,595,000 

Total income

  3,574,000   2,595,000 
         

Interest expense - long-term debt

  (664,621)  (712,306)

Noninterest expense

  (90,969)  (537)
         

Income before income taxes and equity in (distributed) undistributed income of subsidiaries

  2,818,410   1,882,157 

Income taxes (benefit)

  (158,556)  (149,486)

Income before equity in (distributed) undistributed income of subsidiaries

  2,976,966   2,031,643 

Dividends in excess of income of insurance subsidiary

  (247,472)  (100,019)

Equity in undistributed income of bank subsidiary

  5,360,633   6,217,982 

Net Income

 $8,090,127  $8,149,606 

 

 

- 77 -
 

 

Farmers and Merchants Bancshares, Inc. and Subsidiaries

 

Notes to Consolidated Financial Statements (Continued)

 

15.

Parent Company Financial Information (continued)

 

Statements of Cash Flows

        
         

Years Ended December 31,

 

2022

  

2021

 
         

Cash flows from operating activities

        

Net Income

 $8,090,127  $8,149,606 

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

        

Equity in undistributed income of bank subsidiary

  (5,360,633)  (6,217,982)

Decrease in accrued interest payable

  (19,683)  (1,935)

Amortization of debt issuance costs

  5,625   5,625 

Change in income tax receivable

  27,739   (149,486)

Dividend received in excess of income of insurance subsidiary

  247,472   100,019 

Cash provided by operating activities

  2,990,647   1,885,847 
         

Cash flows from investing activities

        

Cash used by investing activities

  -   - 
         

Cash flows from financing activities

        

Long-term debt

  (1,888,888)  - 

Dividends paid, net of reinvestments

  (1,225,729)  (1,156,418)

Cash used in financing activities

  (3,114,617)  (1,156,418)
         

Net (decrease) increase in cash and cash equivalents

  (123,970)  729,429 
         

Cash and cash equivalents at beginning of period

  930,354   200,925 

Cash and cash equivalents at end of period

 $806,384  $930,354 

 
 

16.

Litigation

 

In the ordinary course of its business, the Company is periodically party to various legal actions normally associated with a financial institution. Management does not believe that any of these normal course proceedings are likely to have a material adverse effect on the financial condition or liquidity of the Company.

 

- 78 -
 
 

 

 

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

 

None.

 

ITEM 9A.         CONTROLS AND PROCEDURES

 

The Company maintains disclosure controls and procedures that are designed to ensure that information required to be disclosed in the Company’s reports filed under the Exchange Act with the SEC, such as this annual report, is recorded, processed, summarized and reported within the time periods specified in those rules and forms, and that such information is accumulated and communicated to the Company’s management, including the 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 also is 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, a control 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 December 31, 2022 was carried out under the supervision and with the participation of the Company’s management, including the PEO and the PFO. Based on that evaluation, the Company’s management, including the PEO and the PFO, has concluded that the Company’s disclosure controls and procedures are, in fact, effective at the reasonable assurance level.

 

During the fourth quarter of 2022, there was no change in the Company’s internal control over financial reporting that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

As required by Section 404 of the Sarbanes-Oxley Act of 2002, management has performed an evaluation and testing of the Company’s internal control over financial reporting as of December 31, 2022. Management’s report on the Company’s internal control over financial reporting is included on the following page. The Company’s is a “smaller reporting company” as defined by Rule 12b-2 under the Exchange Act and, accordingly, its independent registered public accounting firm is not required to attest to the foregoing management report.

 

- 79 -
 

 

Management’s Report on Internal Control over Financial Reporting

 

Management of Farmers and Merchants Bancshares, Inc. (the “Company”) is responsible for the preparation, integrity and fair presentation of the consolidated financial statements included in this annual report. The Company’s consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America and, as such, include some amounts that are based on the best estimates and judgments of management.

 

Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, reports on internal control over financial reporting issued by management of “smaller reporting companies”, as defined by Exchange Act Rule 12b-2, are exempt from the auditor attestation requirements imposed by Section 404(b) of the Sarbanes-Oxley Act of 2002. The Company is a smaller reporting company. Accordingly, this Annual Report on Form 10-K does not include an attestation report of the Company’s registered public accounting firm regarding internal control over financial reporting.

 

The Company’s management is responsible for establishing and maintaining adequate internal control over financial reporting. This internal control system is designed to provide reasonable assurance to management and the Board of Directors regarding the reliability of the Company’s financial reporting and the preparation and presentation of financial statements for external reporting purposes in conformity with accounting principles generally accepted in the United States of America, as well as to safeguard assets from unauthorized use or disposition. The system of internal control over financial reporting is evaluated for effectiveness by management and tested for reliability through a program of internal audit with actions taken to correct potential deficiencies as they are identified. Because of inherent limitations in any internal control system, no matter how well designed, misstatement due to error or fraud may occur and not be detected, including the possibility of the circumvention or overriding of controls. Accordingly, even an effective internal control system can provide only reasonable assurance with respect to financial statement preparation. Further, because of changes in conditions, internal control effectiveness may vary over time.

 

Management assessed the effectiveness of the Company’s internal control over financial reporting as of December 31, 2022 based upon criteria set forth in Internal Control – Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).

 

Based on this assessment and on the foregoing criteria, management has concluded that, as of December 31, 2022, the Company’s internal control over financial reporting is effective.

 

March 10, 2023

 

/s/Gary A. Harris                  

Gary A. Harris

President & Chief Executive Officer

(Principal Executive Officer)

  

/s/Mark C. Krebs                           

Mark C. Krebs

Executive Vice President & Chief Financial Officer

(Principal Financial Officer)

 

- 80 -
 

 

ITEM 9B.         OTHER INFORMATION

 

None.

 

ITEM 9C.         DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTION.

 

N/A

 

PART III

 

ITEM 10.         DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

 

The Company has adopted a Code of Ethics applicable to its principal executive officer, principal financial officer, principal accounting officer, or controller, or persons performing similar functions. This Code of Ethics is applicable to all directors and employees. A copy of this Codes of Ethics is available on our website, www.fmb1919.bank, and may be accessed by clicking on “Investor Relations”, then “Corporate Overview” and then “Code of Ethics”.

 

All other information required by this item is incorporated herein by reference to the following sections of the Company’s definitive proxy statement for the 2023 annual meeting of stockholders that will be filed by April 30, 2023 with the SEC pursuant to Regulation 14A (the “2023 Proxy Statement”):

 

 

●

ELECTION OF CLASS I DIRECTORS (Proposal 1);
 

●

ELECTION OF CLASS II DIRECTOR (Proposal 2);
 

●

CONTINUING DIRECTORS;
 

●

QUALIFICATIONS OF DIRECTOR NOMINEES AND CURRENT DIRECTORS;
 

●

EXECUTIVE OFFICERS;
 

●

DELINQUENT SECTION 16(a) REPORTS; and
 

●

CORPORATE GOVERNANCE MATTERS (under “Committees of the Board of Directors - Audit Committee”).

 

ITEM 11.         EXECUTIVE COMPENSATION

 

The information required by this item is incorporated herein by reference to the sections of the 2023 Proxy Statement entitled “DIRECTOR COMPENSATION” and “EXECUTIVE COMPENSATION” (excluding the information under the subheading “Pay Versus Performance”).

 

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

 

The Company has not adopted or implemented any equity compensation plans or arrangements.

 

All other information required by this item is incorporated herein by reference to the section of the 2023 Proxy Statement entitled “BENEFICIAL OWNERSHIP OF COMMON STOCK BY PRINCIPAL STOCKHOLDERS AND MANAGEMENT”.

 

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

 

The information required by this item is incorporated herein by reference to the sections of the 2023 Proxy Statement entitled “CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS” and “CORPORATE GOVERNANCE MATTERS” (under “Director Independence”).

 

ITEM 14.         PRINCIPAL ACCOUNTANT FEES AND SERVICES

 

The information required by this item is incorporated herein by reference to the section of the 2023 Proxy Statement entitled “AUDIT FEES AND SERVICES”.

 

- 81 -
 

 

PART IV

 

ITEM 15.         EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

 

(a)(1), (2) and (c) Financial Statements.

 

Report of Independent Registered Public Accounting Firm

Consolidated Balance Sheets at December 31, 2022 and 2021

Consolidated Statements of Income for the years ended December 31, 2022 and 2021

Consolidated Statement of Comprehensive (Loss) Income for the years ended December 31, 2022 and 2021

Consolidated Statement of Changes in Stockholders’ Equity for the years ended December 31, 2022 and 2021         

Consolidated Statement of Cash Flows for the years ended December 31, 2022 and 2021

Notes to Consolidated Financial Statements for the years ended December 31, 2022 and 2021

 

(a)(3) and (b) Exhibits.

 

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

 

Exhibit

Description

 

2.1

Plan of Reorganization and Share Exchange, dated as of August 15, 2016, by and between Farmers and Merchants Bancshares, Inc. and Farmers and Merchants Bank (incorporated by reference to Exhibit 2.1 to the Company’s Registration Statement on Form 10)

 

2.2

Agreement and Plan of Merger, dated as of September 28, 2020, between Farmers and Merchants Bancshares, Inc. and Carroll Bancorp, Inc. (incorporated by reference to Exhibit 2.1 to the Company’s Current Report on Form 8-K filed on October 1, 2020)

 

2.3

Agreement and Plan of Merger, dated as of March 6, 2020, among the Company, Anthem Acquisition Corp., and Carroll Bancorp, Inc. (incorporated by reference to Exhibit 2.1 to the Current Report of Farmers and Merchants Bancshares, Inc. on Form 8-K filed on March 11, 2020)

 

3.1(i)

Articles of Incorporation (incorporated by reference to Exhibit 3.1(i) to the Company’s Registration Statement on Form 10)

 

3.1(ii)

Articles of Share Exchange, dated as of October 20, 2016, by and between Farmers and Merchants Bancshares, Inc. and Farmers and Merchants Bank (incorporated by reference to Exhibit 3.1(ii) to the Company’s Registration Statement on Form 10)

 

3.2(i)

Amended and Restated Bylaws (incorporated by reference to Exhibit 3.2 to the Company’s Registration Statement on Form 10)

 

3.2(ii)

First Amendment to Amended and Restated Bylaws (incorporated by reference to Exhibit 3.2 to the Company’s Current Report on Form 8-K filed on July 20, 2022)

 

10.1

Supplemental Executive Retirement Agreement, dated as of December 30, 2010, between Farmers and Merchants Bank and Gary A. Harris (incorporated by reference to Exhibit 10.1 to the Company’s Registration Statement on Form 10)

 

10.2

First Amendment to Supplemental Executive Retirement Agreement, dated as of February 22, 2011, between Farmers and Merchants Bank and Gary A. Harris (incorporated by reference to Exhibit 10.2 to the Company’s Registration Statement on Form 10)

 

10.3

Supplemental Executive Retirement Agreement, dated as of December 30, 2010, between Farmers and Merchants Bank and Christopher T. Oswald (incorporated by reference to Exhibit 10.3 to the Company’s Registration Statement on Form 10)

 

10.4

First Amendment to Supplemental Executive Retirement Agreement, dated as of February 22, 2011, between Farmers and Merchants Bank and Christopher T. Oswald (incorporated by reference to Exhibit 10.4 to the Company’s Registration Statement on Form 10)

 

10.5

Performance Driven Retirement Plan Agreement, dated as of November 17, 2015, between Farmers and Merchants Bank and Mark C. Krebs (incorporated by reference to Exhibit 10.5 to the Company’s Registration Statement on Form 10)

 

- 82 -
 

 

10.6

Severance Agreement, dated as of February 19, 2013, between Farmers and Merchants Bank and Mark C. Krebs (incorporated by reference to Exhibit 10.6 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2021)

 

10.7

First Amendment to Severance Agreement, dated as of November 15, 2021, between Farmers and Merchants Bank and Mark C. Krebs (incorporated by reference to Exhibit 10.7 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2021)

 

10.8

Change in Control Severance Agreement, dated July 18, 2022, between Farmers and Merchants Bancshares, Inc. and Gary Harris (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on July 20, 2022)

 

21

Subsidiaries (filed herewith)

 

23.1

Consent of Independent Registered Public Accounting Firm (filed herewith)

 

31.1

Certifications of Principal Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act (filed herewith)

 

31.2

Certifications of Principal Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act (filed herewith)

 

32

Certifications 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 Annual Report on Form 10-K for the year ended December 31, 2022, formatted in Inline XBRL, included within the Exhibit 101 attachments (filed herewith).

 

- 83 -
 

 

ITEM 16.         FORM 10-K SUMMARY.

 

None.

 

SIGNATURES

 

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

 

 

FARMERS AND MERCHANTS BANCSHARES, INC.

 

 

 

 

 

 

 

 

 

Dated: March 10, 2023 

By:

/s/ Gary A. Harris

 

 

 

Gary A. Harris

 

 

 

President and Chief Executive Officer

 
    (Principal Executive Officer)  

 

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

 

/s/ Gary A. Harris   /s/ Roger D. Cassell  
Gary A. Harris, Director, President   Roger D. Cassell, Director  
and Chief Executive Officer   March 10, 2023  
(Principal Executive Officer)      
March 10, 2023      
       
       
/s/ Steven W. Eline   /s/ Edward A. Halle, Jr.  
Steven W. Eline, Director   Edward A. Halle, Jr., Director  
March 10, 2023   March 10, 2023  
       
       
/s/ Ronald W. Hux   /s/ Mark C. Krebs  
Ronald W. Hux, Director   Mark C. Krebs, Treasurer and Chief Financial Officer  
March 10, 2023   (Principal Financial Officer and Principal Accounting Officer)  
    March 10, 2023  
       
       
/s/ Bruce L. Schindler   /s/ J. Lawrence Mekulski  
Bruce L. Schindler, Director   J. Lawrence Mekulski, Director  
March 10, 2023   March 10, 2023  
       
       
/s/ Teresa L. Smack   /s/ James R. Bosley, Jr.  
Teresa L. Smack, Director   James R. Bosley, Jr., Director  
March 10, 2023   March 10, 2023  
       
       
/s/ Louna S. Primm   /s/ Paul F. Wooden, Jr.  
Louna S. Primm, Director   Paul F. Wooden, Jr., Director  
March 10, 2023   March 10, 2023  

 

- 84 -
EX-21 2 ex_483617.htm EXHIBIT 21 ex_483617.htm

 

Exhibit 21

 

SUBSIDIARIES

 

Subsidiaries of Farmers and Merchants Bancshares, Inc.

 

Farmers and Merchants Bank, a Maryland commercial bank (the “Bank”)

 

Series Protected Cell FCB-4, a series of First Community Bankers Insurance, Co., LLC, a Tennessee limited liability company.

 

Subsidiaries of the Bank

 

Reliable Community Financial Services, Inc., a Maryland corporation

 

 

 
 EX-23.1 3 ex_483618.htm EXHIBIT 23.1 ex_483618.htm

 

Exhibit 23.1

 

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

Farmers and Merchants Bancshares, Inc.

Hampstead, Maryland

 

We hereby consent to the incorporation by reference in the Registration Statement on Form S-1 (File No. 333-217918) of Farmers and Merchants Bancshares, Inc. of our report dated March 10, 2023 relating to the consolidated balance sheets of Farmers and Merchants Bancshares, Inc. and Subsidiaries as of December 31, 2022 and 2021, and the related consolidated statements of income, comprehensive income, changes in stockholders' equity, and cash flows for each of the years in the two-year period ended December 31, 2022, which appears in the Annual Report on Form 10-K for the year ended December 31, 2022.

 

 

/s/ Yount, Hyde & Barbour, P.C.

 

Richmond, Virginia

March 10, 2023

 

 
 EX-31.1 4 ex_483619.htm EXHIBIT 31.1 ex_483619.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, Gary A. Harris, certify that:

 

1.            I have reviewed this annual report on Form 10-K 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:         March 10, 2023

/s/ Gary A. Harris                           

Gary A. Harris

President and Chief Executive Officer

(Principal Executive Officer)

                                    

 
 EX-31.2 5 ex_483620.htm EXHIBIT 31.2 ex_483620.htm

 

Exhibit 31.2

Certifications of

 

I, Mark C. Krebs, certify that:

 

1.            I have reviewed this annual report on Form 10-K 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:          March 10, 2023

  /s/ Mark C. Krebs                                             

Mark C. Krebs, Treasurer and Chief Financial Officer

(Principal Financial Officer)

                         

 
 EX-32 6 ex_483621.htm EXHIBIT 32 ex_483621.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 Annual Report of Farmers and Merchants Bancshares, Inc. on Form 10-K for the year ended December 31, 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:         March 10, 2023

/s/ Gary A. Harris                                    

Gary A. Harris

President and Chief Executive Officer

(Principal Executive Officer)
   
   
Date:         March 10, 2023

/s/ Mark C. Krebs                                             

Mark C. Krebs, Treasurer and Chief Financial Officer

(Principal Financial Officer)

 

 
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Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Ratio of minimum Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework, including conversion buffer. 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Secured Line of Credit [Member] A secured contractual arrangement with a lender under which borrowings can be made up to a specific amount at any point in time, and under which borrowings outstanding may be either short-term or long-term, depending upon the particulars. Unsecured Line of Credit [Member] An unsecured contractual arrangement with a lender under which borrowings can be made up to a specific amount at any point in time, and under which borrowings outstanding may be either short-term or long-term, depending upon the particulars. Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block] Commercial Lines [Member] Represents the unused commercial lines of credit. Document Annual Report Cash and Cash Equivalents, Policy [Policy Text Block] Balance Sheet Location [Axis] Balance Sheet Location [Domain] Entity Incorporation, State or Country Code Accounting Policies [Abstract] Significant Accounting Policies [Text Block] us-gaap_OpenTaxYear Open Tax Year Document Transition Report Mortgage loans held for sale Entity Interactive Data Current fmfg_DeferredIncomeTaxExpenseBenefitProvisionForLoanLosses Provision for loan losses Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations attributable to provision for loan losses. Cash dividends, per share (in dollars per share) fmfg_DeferredIncomeTaxExpenseBenefitDepreciation Depreciation Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations attributable to depreciation. 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Condensed Financial Information of Parent Company Only Disclosure [Text Block] Additions Amount of purchases of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing. fmfg_FairValueMeasurementWithUnobservableInputsReconciliationNonrecurringBasisAssetValue Fair value beginning balance Fair value ending balance Fair value of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing. Fair Value, Assets Measured on Non-recurring Basis, Unobservable Input Reconciliation [Table Text Block] Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset. fmfg_FairValueMeasurementWithUnobservableInputsReconciliationNonrecurringBasisAssetSales Principal payments received Amount of sale of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing. Impaired Loans [Member] Represents impaired loans. 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] Income before equity in (distributed) undistributed income of subsidiaries fmfg_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsNoncontrollingInterest Amount of income (loss) from continuing operations before deduction of income (loss) attributable to noncontrolling interest, and addition of income (loss) from equity method investments. 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Operating Lease for Hampstead Branch [Member] Operating lease for the land on which the Hampstead branch. Financing Receivable, Nonaccrual [Table Text Block] fmfg_LesseeOperatingLeaseNumberOfRenewalTerms Lessee, Operating Lease, Number of Renewal Terms Represents number of renewal terms for operating lease. Mortgage banking income Operating Lease for Certain Facilities of Greenmount Branch [Member] Operating lease for certain facilities where the Greenmount branch is located. Operating Lease for the Corporate Headquarters [Member] Operating lease for the corporate headquarters. us-gaap_Deposits Total deposits Lease for Carroll Lutheran Village Branch [Member] Operating lease for its Carroll Lutheran Village branch. Investments Classified by Contractual Maturity Date [Table Text Block] Interest-bearing Interest-bearing Deposit Liabilities Schedule of Components of Income Tax Expense (Benefit) [Table Text Block] Schedule of Deferred Tax Assets and Liabilities [Table Text Block] Schedule of Effective Income Tax Rate Reconciliation [Table Text Block] Schedule of Unrealized Loss on Investments [Table Text Block] Noninterest-bearing Schedule of Intangible Assets and Goodwill [Table Text Block] us-gaap_TimeDeposits Time Deposits us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax Total unrealized loss on investment securities available for sale Money market Interest-bearing deposits NOW Noninterest-bearing deposits Deposit Liabilities, Type [Table Text Block] us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax Reclassification adjustment for realized gains included in net income Savings us-gaap_LoansAndLeasesReceivableRelatedParties Loans and Leases Receivable, Related Parties, Ending Balance Balance, beginning of year Balance, end of year State income taxes, net of federal income tax benefit Fair Value Measurements, Nonrecurring [Table Text Block] Securities available for sale Net unrealized loss arising during the period Deposits: Cash flows from financing activities Statutory federal income tax rate fmfg_NumberOfEmployeesCoveredByLifeInsurancePolicy Number of Employees Covered by Life Insurance Policy Number of employees provided with certain life insurance benefits. Corporate Bond Securities [Member] fmfg_NumberOfEmployeesParticipatingInPlan Number of Employees Participating in Plan Number of employees participating in the plan. us-gaap_PaymentsToAcquireLifeInsurancePolicies Purchase of bank owned life insurance Loan Origination Commitments [Member] Unused lines of Credit [Member] Percent, expected sales cost to appraised rate Expected Sales Costs to Appraised Value, Percentage Expected sales costs as a percentage of the appraised value. 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Document And Entity Information - USD ($)
 12 Months Ended
Dec. 31, 2022
Feb. 28, 2023
Jun. 30, 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 FY    
Document Fiscal Year Focus 2022    
Document Type 10-K    
Document Annual Report true    
Document Period End Date Dec. 31, 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    
Title of 12(g) Security Common stock, par value $.01 per share    
Entity Well-known Seasoned Issuer No    
Entity Voluntary Filers No    
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    
ICFR Auditor Attestation Flag false    
Entity Shell Company false    
Entity Public Float     $ 61,560.092
Entity Common Stock, Shares Outstanding   3,071,214  
Auditor Firm ID 613    
Auditor Name YOUNT, HYDE & BARBOUR, P.C    
Auditor Location Richmond, Virginia    
XML 14 R2.htm IDEA: XBRL DOCUMENT v3.22.4
Consolidated Balance Sheets - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Cash and due from banks $ 6,414,822 $ 25,258,932
Federal funds sold and other interest-bearing deposits 848,715 1,203,174
Cash and cash equivalents 7,263,537 26,462,106
Certificates of deposit in other banks 100,000 350,000
Securities available for sale, at fair value 126,314,449 149,237,916
Securities held to maturity, at cost 20,508,997 21,851,975
Equity security, at fair value 489,145 543,605
Restricted stock, at cost 1,332,500 675,400
Mortgage loans held for sale 428,355 126,500
Loans, less allowance for loan losses of $4,150,198 and $3,650,268 516,920,540 482,011,334
Premises and equipment, net 6,186,594 6,259,421
Accrued interest receivable 1,815,784 1,609,063
Deferred income taxes, net 8,392,658 2,177,450
Other real estate owned, net 1,242,365 1,242,365
Bank owned life insurance 14,585,342 11,556,163
Goodwill and other intangibles, net 7,042,752 7,051,080
Other assets 5,587,654 5,522,877
Assets, Total 718,210,672 716,677,255
Deposits:    
Noninterest-bearing 126,695,349 124,175,615
Interest-bearing 496,915,775 502,239,055
Total deposits 623,611,124 626,414,670
Securities sold under repurchase agreements 5,175,303 5,414,026
Federal Home Loan Bank of Atlanta advances 20,000,000 5,000,000
Long-term debt, net of issuance costs 15,095,642 16,978,905
Accrued interest payable 349,910 295,910
Other liabilities 6,203,730 5,952,286
Liabilities, Total 670,435,709 660,055,797
Commitments and contingencies
Stockholders' equity:    
Common stock, par value $.01 per share, authorized 5,000,000 shares; issued and outstanding 3,071,214 in 2022 and 3,037,137 shares in 2021 30,712 30,372
Additional paid-in capital 29,549,914 28,857,422
Retained earnings 35,300,166 29,128,600
Accumulated other comprehensive loss (17,105,829) (1,394,936)
Stockholders' Equity Attributable to Parent, Ending Balance 47,774,963 56,621,458
Liabilities and Equity, Total $ 718,210,672 $ 716,677,255
XML 15 R3.htm IDEA: XBRL DOCUMENT v3.22.4
Consolidated Balance Sheets (Parentheticals) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Allowance for loan losses $ 4,150,198 $ 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) 3,071,214 3,037,137
Common stock, share outstanding (in shares) 3,071,214 3,037,137
XML 16 R4.htm IDEA: XBRL DOCUMENT v3.22.4
Consolidated Statements of Income - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Interest income:    
Loans, including fees $ 22,565,034 $ 23,491,614
Investment securities - taxable 2,981,300 1,511,970
Investment securities - tax exempt 570,655 611,323
Federal funds sold and other interest earning assets 152,664 65,496
Total interest income 26,269,653 25,680,403
Interest expense:    
Deposits 1,375,691 1,997,873
Securities sold under repurchase agreements 12,768 44,628
Federal Home Loan Bank advances and other borrowings 757,699 762,798
Total interest expense 2,146,158 2,805,299
Net interest income 24,123,495 22,875,104
Provision for loan losses 475,000 330,000
Net interest income after provision for loan losses 23,648,495 22,545,104
Noninterest income:    
Mortgage banking income 214,043 910,513
Bank owned life insurance income 229,179 229,966
Fair value adjustment of equity security (62,094) (15,354)
Gain on call of debt security 0 9,190
Gain on insurance proceeds, net 673,483 0
Gain on sale of SBA loans 158,123 6,917
Other 303,303 300,596
Total noninterest income 2,293,938 2,165,914
Noninterest expense:    
Salaries 7,865,194 7,214,871
Employee benefits 1,798,150 1,718,465
Occupancy 890,926 948,757
Furniture and equipment 891,250 775,829
Professional services 894,715 415,642
Automated teller machine and debit card expenses 473,917 352,130
Federal Deposit Insurance Corporation premiums 180,196 306,123
Postage, delivery, and armored carrier 235,412 185,542
Advertising 258,032 233,358
Other real estate owned 21,705 190,248
Other 1,857,783 1,787,634
Total noninterest expense 15,367,280 14,128,599
Income before income taxes 10,575,153 10,582,419
Income taxes 2,485,026 2,432,813
Net income $ 8,090,127 $ 8,149,606
Earnings per share - basic and diluted (in dollars per share) $ 2.66 $ 2.70
Deposit Account [Member]    
Noninterest income:    
Noninterest revenue $ 777,901 $ 724,086
XML 17 R5.htm IDEA: XBRL DOCUMENT v3.22.4
Consolidated Statements of Comprehensive (Loss) Income - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Net income $ 8,090,127 $ 8,149,606
Other comprehensive loss, net of income taxes:    
Securities available for sale Net unrealized loss arising during the period (21,675,430) (2,889,734)
Reclassification adjustment for realized gains included in net income 0 (9,190)
Total unrealized loss on investment securities available for sale (21,675,430) (2,898,924)
Income tax benefit 5,964,537 797,711
Total other comprehensive loss (15,710,893) (2,101,213)
Total comprehensive (loss) income $ (7,620,766) $ 6,048,393
XML 18 R6.htm IDEA: XBRL DOCUMENT v3.22.4
Consolidated Statements of Changes in Stockholders' Equity - 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 8,149,606 0 8,149,606
Other comprehensive income (loss) 0 0 0 (2,101,213) (2,101,213)
Cash dividends $ 0 0 (1,719,960) 0 (1,719,960)
Dividends reinvested (in shares) 25,882        
Dividends reinvested $ 259 563,283 0 0 563,542
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 8,090,127 0 8,090,127
Other comprehensive income (loss) 0 0 0 (15,710,893) (15,710,893)
Cash dividends $ 0 0 (1,918,561) 0 (1,918,561)
Dividends reinvested (in shares) 34,077        
Dividends reinvested $ 340 692,492 0 0 692,832
Balance (in shares) at Dec. 31, 2022 3,071,214        
Balance at Dec. 31, 2022 $ 30,712 $ 29,549,914 $ 35,300,166 $ (17,105,829) $ 47,774,963
XML 19 R7.htm IDEA: XBRL DOCUMENT v3.22.4
Consolidated Statements of Changes in Stockholders' Equity (Parentheticals) - $ / shares
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Cash dividends, per share (in dollars per share) $ 0.63 $ 0.57
XML 20 R8.htm IDEA: XBRL DOCUMENT v3.22.4
Consolidated Statements of Cash Flows - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Cash flows from operating activities    
Net income $ 8,090,127 $ 8,149,606
Adjustments to reconcile net income to net cash provided by operating activities    
Depreciation and amortization 482,489 470,943
Provision for loan losses 475,000 330,000
Amortization of right of use asset 4,355 17,053
Gain on sale of premises and equipment 0 (44,510)
Gain on insurance proceeds (673,483) 0
Write down of other real estate owned 0 169,240
Gain on premium call of debt security 0 (9,190)
Equity security dividends reinvested (7,634) (6,393)
Fair value adjustment on equity security 62,094 15,354
Gain on sale of SBA loans (158,123) (6,917)
Deferred income taxes (250,672) (160,070)
Amortization of debt issuance costs 5,625 5,625
Amortization of premiums and accretion of discounts, net (224,663) (7,602)
Bank owned life insurance cash surrender value (229,179) (229,966)
Increase (decrease) in    
Deferred loan fees and costs, net (111,160) (204,430)
Accrued interest payable 54,000 (113,712)
Other liabilities 396,538 1,035,504
Decrease (increase) in    
Mortgage loans held for sale (301,855) 1,546,850
Accrued interest receivable (206,721) 448,428
Other assets (250,776) 298,917
Cash provided by operating activities 7,155,962 11,704,730
Cash flows from investing activities    
Proceeds from maturity and call of securities, Available for sale 19,994,811 31,327,354
Proceeds from maturity and call of securities, Held to maturity 1,456,420 2,171,420
Purchase of securities, Available for sale (19,193,215) (129,676,971)
Purchase of securities, Held to maturity 0 (842,062)
Redemption of certificates of deposit 250,000 500,000
Loans made to customers, net of principal collected (35,960,009) 39,861,460
Proceeds from sale of SBA loans 1,250,154 61,595
(Purchase) redemption of restricted stock (657,100) 225,100
Proceeds from sale of premises and equipment 0 1,387,613
Proceeds from insurance 711,214 0
Purchase of bank owned life insurance (2,800,000) (28,855)
Purchase of annuity 0 (3,671,145)
Purchases of premises, equipment and software (410,843) (300,402)
Cash used in investing activities (35,358,568) (58,984,893)
Cash flows from financing activities    
Noninterest-bearing deposits 2,519,734 21,020,502
Interest-bearing deposits (5,162,357) 32,242,461
Securities sold under repurchase agreements (238,722) (19,339,946)
Federal Home Loan Bank of Atlanta advances 15,000,000 0
Long-term debt (1,888,889) 0
Dividends paid, net of reinvestments (1,225,729) (1,156,418)
Cash provided by financing activities 9,004,037 32,766,599
Net decrease in cash and cash equivalents (19,198,569) (14,513,564)
Cash and cash equivalents at beginning of period 26,462,106 40,975,670
Cash and cash equivalents at end of period 7,263,537 26,462,106
Supplementary disclosure of cash flow information:    
Cash paid during the period for interest 2,239,129 3,154,898
Cash paid during the period for income taxes 3,365,318 1,605,500
Net unrealized loss on securities available for sale $ (21,675,430) $ (2,898,924)
XML 21 R9.htm IDEA: XBRL DOCUMENT v3.22.4
Note 1 - Summary of Significant Accounting Policies
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Significant Accounting Policies [Text Block]

1.

Summary of Significant Accounting Policies

 

The accounting and reporting policies reflected in the financial statements conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. Management makes estimates and assumptions that affect the reported amounts of assets, liabilities, and disclosures of commitments and contingent liabilities at the balance sheet date, and revenues and expenses during the year. These estimates and assumptions may affect the reported amounts of revenue and expenses during the reporting period. Actual results could differ from these estimates.

 

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 is a series investment, 100% owned by the Company, in First Community Bankers Insurance Co., LLC, a Tennessee “series” limited liability company and licensed property and casualty insurance company. Intercompany balances and transactions, including insurance premiums paid by the Bank that were received by the Insurance Subsidiary through an intermediary, have been eliminated. Effective October 1, 2020, the Company acquired Carroll Bancorp, Inc. and its wholly-owned subsidiary, Carroll Community Bank (collectively, “Carroll”), both of which were based in Eldersburg, Maryland, through a series of merger transactions (the “Merger”).

 

Business

The Bank provides banking services to individuals and businesses located in Baltimore County, Maryland, Carroll County, Maryland and surrounding areas of northern Maryland. The Insurance Subsidiary is a captive insurance entity that provides insurance coverage for the Bank. The Bank chose not to renew coverage effective on November 7, 2022, but may do so in the future, The Insurance Subsidiary is still responsible for claims for events that occurred prior to November 7, 2023. Reliable Community Financial Services, Inc. is licensed to provide a wide range of investment and insurance products to its customers, but is inactive.

 

Reclassifications

Certain reclassifications have been made to the 2021 financial statements to conform to the current year presentation. These reclassifications had no effect on net income or stockholders’ equity.

 

Cash and cash equivalents

For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, money market funds, and federal funds sold. Generally, federal funds are purchased and sold for one-day periods.

 

Comprehensive (loss) income

Comprehensive (loss) income includes net income and the unrealized gains or losses on investment securities available for sale, net of income taxes.

 

Investment securities

As debt securities are purchased, management determines if the securities should be classified as held to maturity or available for sale. Securities that management has the intent and ability to hold to maturity are recorded at amortized cost, which is cost adjusted for amortization of premiums and accretion of discounts. Discounts are accreted through maturity. Premiums are amortized through the earliest call date. Securities held to meet liquidity needs or that may be sold before maturity are classified as available for sale and carried at fair value with unrealized gains and losses included in stockholders' equity on an after-tax basis. Gains and losses on disposal are determined using the specific-identification method. The Company amortizes premiums and accretes discounts using the interest method.

 

 

The Company regularly evaluates its securities whose values have declined below their amortized cost to assess whether the decline in fair value is other-than-temporary. The Company considers various factors in determining whether a decline in fair value is other-than-temporary including the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads, the expected recovery period and other quantitative and qualitative information. The valuation of securities for impairment is a process subject to estimation, judgment and uncertainty and is intended to determine whether declines in the fair value of investments should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions and future changes in assessments of the aforementioned factors. It is expected that such factors will change in the future, which may result in future other-than-temporary impairments. For impairments of debt securities that are deemed to be other-than-temporary, the credit portion of an other-than-temporary impairment loss is recognized in earnings and the non-credit portion is recognized in accumulated other comprehensive income in those situations where the Company does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security prior to recovery.

 

Equity security at fair value

The Company owns a mutual fund that is measured at fair value with changes in fair value recognized in noninterest income.

 

Restricted stock, at cost

         Restricted stock consists of Federal Home Loan Bank of Atlanta (the “FHLB”) stock, Community Bankers Bank (“CBB”) stock, and Atlantic Community Bankers Bank (“ACBB”) stock. As a member of the FHLB, the Bank is required to purchase FHLB stock in an amount that is based on the Bank’s total assets. Additional stock is purchased and redeemed based on the outstanding FHLB advances to the Bank. CBB and ACBB require its correspondent banking institutions to hold stock as a condition of membership. The restricted investment in bank stocks is carried at cost. On a quarterly basis, management evaluates the bank stocks for impairment based on assessment of the ultimate recoverability of cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of cost is influenced by criteria such as operating performance, liquidity, funding and capital positions, stock repurchase history, dividend history, and impact of legislative and regulatory changes.

 

Loans and allowance for loan losses

Loans are stated at the current amount of unpaid principal, adjusted for deferred origination costs, deferred origination fees, premiums and discounts on acquired loans, and the allowance for loan losses. Interest on loans is accrued based on the principal amounts outstanding. Origination fees and costs, along with premiums and accretable discounts, are amortized to income over the terms of loans.

 

Past due status is based on the contractual terms of the loan. Management may make an exception to reporting a loan as past due, if the past due status is solely due to the loan being past maturity, the Company intends to extend the loan, and the borrower is making principal and interest payments in accordance with the terms of the matured note. The accrual of interest is discontinued when any portion of the principal or interest is 90 days past due and collateral is insufficient to discharge the debt in full. If collection of principal is evaluated as doubtful, all payments are applied to principal. Loans are considered impaired when, based on current information, management considers it unlikely that the collection of principal and interest payments will be made according to contractual terms when due. Generally, loans are not reviewed for impairment until the accrual of interest has been discontinued, the loans are included on the watch list, or the loans are troubled debt restructurings (“TDRs”).

 

 

The allowance for loan losses represents an amount which, in management’s judgment, will be adequate to absorb probable and estimable losses on existing loans and other extensions of credit that may become uncollectible. The Company’s allowance for loan losses consists of three elements: (i) segregating the loan portfolio into pools based upon similar characteristics and risk profiles and applying a loss factor to the pools, based on historical losses within those pools; (ii) applying qualitative factors to the loan pools that consider economic and other factors, both internal and external, affecting the Company and the pools; and (iii) determining specific reserves based on individual evaluation of impaired loans that are not included in the pools discussed above.

 

The allowances established for probable and estimable losses on impaired loans are based on a regular analysis and evaluation of problem loans. Management maintains a watch list of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the borrower’s ability to repay; (ii) the underlying collateral, if any; (iii) the economic environment; and (iv) for commercial borrowers, the industry in which the borrower operates. Specific valuation allowances are determined when the collateral value, if the loan is collateral dependent, or the discounted cash flows of the impaired loan is lower than the carrying value.

 

Historical valuation allowances are calculated based on the historical loss experience of specific types of loans. The Company calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual charge-offs experienced to the total population of loans in the pool over the prior twenty quarters. The historical loss ratios are updated quarterly based on actual charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the annual historical loss ratio and the total dollar amount of the loans in the pool.

 

Adjustments to the historical valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Company. In general, such adjustments are determined by evaluating, among other things: (i) the impact of economic conditions on the portfolio; (ii) changes in asset quality, including delinquency trends; (iii) the impact of changing interest rates on portfolio risk; (iv) changes in legislative and regulatory policy; (v) the composition and concentrations of credit; and (vi) the effectiveness of the internal loan review function as well as changes to policies and experience of loan personnel. Management evaluates these qualitative factors on a quarterly basis. Each factor could result in an adjustment that is positive, negative, or no impact.

 

Loan losses are charged to the allowance when management believes that collection is unlikely. Collections of loans previously charged off are added to the allowance at the time of recovery.

 

Loans acquired in connection with business combinations are recorded at fair value with no carryover of any allowance for loan losses. Fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest.

 

Loans acquired through business combinations that are designated as purchase credit impaired loans because they meet the specific criteria of Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality are individually evaluated each period to recast expected cash flows. To the extent that the expected cash flows of a loan have decreased due to credit deterioration, the Company establishes an allowance.

 

 

The excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loan. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. These loans are accounted for under ASC 310-30. The nonaccretable difference includes estimated future credit losses expected to be incurred over the life of the loan. Subsequent decreases in expected cash flows will require us to evaluate the need for an addition to the allowance for loan losses. Subsequent improvement in expected cash flows will result in the transfer of a corresponding amount of the nonaccretable difference, which we will then reclassify as accretable discount to be recognized into interest income over the remaining life of the loan.

 

Loans acquired through business combinations that do not meet the specific criteria of ASC 310-30 are accounted for under ASC 310-20, Receivables - Nonrefundable Fees and Other Costs. These loans are initially recorded at fair value, and include credit and interest rate marks associated with acquisition accounting adjustments. Purchase premiums or discounts are subsequently amortized as an adjustment to yield over the estimated contractual lives of the loans. There is no allowance for loan losses established at the acquisition date for acquired performing loans. Subsequent to acquisition, a quarterly comparison of the remaining fair value discount to the required allowance under appropriate methodology is performed. If the fair value discount remains in excess of the required allowance, then no adjustment is made. If the fair value falls below the required reserve, then a charge to the provision is recorded for the shortfall as part of the allowance for loan losses.

 

Mortgage loans held for sale and mortgage banking income

Mortgage loans held for sale are carried at the lower of aggregate cost or fair value based on the current fair value of each outstanding loan. Sales of loans are recorded when the proceeds are received, with any gain or loss recorded in mortgage banking income.

 

The Company sells its mortgage loans to third party investors with servicing released. Upon sale and delivery, loans are legally isolated from the Company and the Company has no ability to restrict or constrain the ability of third party investors to pledge or exchange the mortgage loans. The Company does not have the entitlement or ability to repurchase the mortgage loans or unilaterally cause third party investors to put the mortgage loans back to the Company.

 

Premises and equipment

Land is carried at cost. Premises and equipment are recorded at cost less accumulated depreciation and amortization. Depreciation on buildings and equipment is computed over the estimated useful lives of the assets using the straight-line method. Leasehold improvements are amortized using the straight-line method over the term of the lease or the estimated useful lives of the asset, whichever is shorter.

 

Other real estate owned

Real estate acquired through foreclosure or by deed in lieu of foreclosure is recorded at fair value less estimated costs to sell on the date acquired establishing a new cost basis. Losses          incurred at the time of acquisition of the property are charged to the allowance for loan losses. Subsequent reductions in the estimated value of the property are included with any gains or losses on sale in noninterest expense.

 

Bank owned life insurance

The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

 

 

Goodwill and other intangible assets

Goodwill is calculated as the purchase premium, if any, after adjusting for the fair value of net assets acquired in purchase transactions. Goodwill is not amortized but is reviewed for potential impairment on at least an annual basis, with testing between annual evaluation if an event occurs or circumstances change that could potentially reduce the fair value of a reporting unit. Other intangible assets represent purchased assets that can be distinguished from goodwill because of contractual or other legal rights. The Company’s other intangible asset, core deposit intangible (“CDI”) has a finite life and is amortized over 10 years on a straight line basis, which is believed to be substantially the same as the interest method.

 

Revenue recognition

ASC Topic 606 does not apply to revenue associated with the financial instruments, including revenue from loans and securities. The Company’s services that fall within the scope of Topic 606 are presented within noninterest income and are recognized as revenue as the Company satisfies its obligation to the customer. A description of the Company’s noninterest revenue streams is discussed below:

 

Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for overdraft, monthly service fees, and other deposit account related fees. Overdraft fees are recognized when the overdraft occurs. The Company's performance obligation for monthly service fees is generally satisfied over the period in which the service is provided. Other deposit account related fees are largely transactional based, and therefore, the Company's performance obligation is satisfied, and related revenue recognized, at a point in time.                  

 

Interchange Income: The Company earns interchange fees from debit cardholder transactions conducted through various payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services. The Company's analysis of its relationship with its interchange debit card provider is agent based. As a result, income from debit cardholder transactions is presented net against expenses paid to the interchange debit card provider in service charges on deposit accounts on the consolidated statements of income.

 

Other Service Charges and Fees: The Company earns fees from its customers for transaction-based services. Services include, safe deposit box, debit/ATM card income, cashier's check, stop payment and wire transfer fees. In each case, these fees and service charges are recognized in income at the time or within the same period that the services are rendered.

 

Operating leases

The Company accounts for lease obligations in accordance with FASB Accounting Standards Update (“ASU”) 2016-02, “Leases (Topic 842).” Among other things, in the amendments in ASU 2016‑02, lessees are required to recognize the following for all leases (with the exception of qualifying short‑term leases) at the commencement date: (i) a lease liability, which is a lessee’s obligation to make lease payments arising from a lease, measured on a discounted basis; and (ii) a right‑of‑use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. The Company has determined it has no financing or sales type leases as of the balance sheet date.

 

Advertising costs

Advertising costs are expensed in the period incurred and totaled $258,032 and $233,358 for the years ended December 31, 2022 and 2021, respectively.

 

 

Income taxes

The provision for income taxes includes income taxes payable for the current year and deferred income taxes. Deferred tax assets and liabilities are determined based on the difference between the financial statement basis and tax basis of assets and liabilities using enacted tax rates in effect for the year in which the differences are expected to reverse.

 

A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.

 

Per share data

Earnings per share is determined by dividing net income by the weighted average number of shares of common stock outstanding, giving retroactive effect to any stock dividends. Weighted average shares were 3,046,377 and 3,018,112 for 2022 and 2021, respectively. Diluted earnings per share is derived by dividing net income available by the weighted-average number of shares outstanding, adjusted for the dilutive effect of outstanding common stock equivalents. No potentially dilutive stock equivalents were outstanding at December 31, 2022 or December 31, 2021.

 

Recent accounting pronouncements

Management has the responsibility for the selection and use of appropriate accounting policies. The significant accounting policies used by the Company are described in the notes to the consolidated financial statements.

 

The following accounting guidance has been approved by the FASB and would apply to the Company if the Company entered into an applicable activity.

 

During June 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.”  The ASU, as amended, requires an entity to measure expected credit losses for financial assets carried at amortized cost based on historical experience, current conditions, and reasonable and supportable forecasts. Among other things, the ASU also amended the impairment model for available for sale securities and addressed purchased financial assets with deterioration.   The Company adopted ASU 2016-13 as of January 1, 2023 in accordance with the required implementation date and recorded the impact of adoption to retained earnings, net of deferred income taxes, as required by the standard. The adjustment recorded at adoption was not significant to the overall allowance for credit losses or shareholders’ equity as compared to December 31, 2022 and consisted of adjustments to the allowance for credit losses on loans and held-to-maturity securities, as well as an adjustment to the Company’s reserve for unfunded loan commitments. Subsequent to adoption, the Company will record adjustments to its allowance for credit losses and reserves for unfunded commitments through the provision for credit losses in the consolidated statements of income.

 

The Company is utilizing a third-party model to tabulate its estimate of current expected credit losses, using an average charge off or loss rate methodology. In accordance with ASC 326, the Company has segmented its loan portfolio based on similar risk characteristics which included call report categories as well as risk grade. The Company primarily utilizes historical loss rates for the CECL calculation based on Company-specific historical losses and supplemented with peer loss history where applicable.  For its reasonable and supportable forecasting of current expected credit losses, the Company analyzes a simple regression using forecasted economic metrics and historical peer loss data. To further adjust the allowance for credit losses for expected losses not already included within the quantitative component of the calculation, the Company may consider the following qualitative adjustment factors: economic conditions, concentrations of credit, interest rates, ability of staff, loan review, trends in loan quality, policy changes, and changes in nature and/or volume of loans. The Company’s CECL implementation process was overseen by the Chief Financial Officer and included an assessment of data availability and gap analysis, data collection, consideration and analysis of multiple loss estimation methodologies, an assessment of relevant qualitative factors and correlation analysis of multiple potential loss drivers and their impact on the Company’s historical loss experience.

 

 

In March 2022, FASB issued ASU 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.

 

In March 2020, FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848)”: 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 an alternative reference rate.

 

In December 2022, the FASB issued ASU 2022-06, “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848”. ASU 2022-06 extends the period of time preparers can utilize the reference rate reform relief guidance in Topic 848. The objective of the guidance in Topic 848 is to provide relief during the temporary transition period, so the FASB included a sunset provision within Topic 848 based on expectations of when the London Interbank Offered Rate (LIBOR) would cease being published. In 2021, the UK Financial Conduct Authority (FCA) delayed the intended cessation date of certain tenors of USD LIBOR to June 30, 2023. To ensure the relief in Topic 848 covers the period of time during which a significant number of modifications may take place, the ASU defers the sunset date of Topic 848 from December 31, 2022, to December 31, 2024, after which entities will no longer be permitted to apply the relief in Topic 848.

 

The ASU is effective for all entities upon issuance. The Company is assessing ASU 2022-06 and its impact on the Company’s transition away from LIBOR for its loan and other financial instruments. The Company continues to evaluate systems to assist in the transaction to a new rate.

 

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

 
XML 22 R10.htm IDEA: XBRL DOCUMENT v3.22.4
Note 2 - Cash and Cash Equivalents
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Cash and Cash Equivalents Disclosure [Text Block]

2.

Cash and Cash Equivalents

 

The Company normally carries balances with other banks that exceed the federally insured limit.  The average balance carried in excess of the limit, including unsecured federal funds sold to the same banks, was $11,945,635 and $7,549,531 during the years ended December 31, 2022 and 2021, respectively.

 

Deposits held in noninterest-bearing transaction accounts are aggregated with any interest-bearing deposits the owner may hold in the same category. The combined total is insured up to $250,000.

 

Banks are required to carry noninterest-bearing cash reserves of specified percentages of deposit balances. The Company's normal balances of cash on hand and on deposit with other banks are sufficient to satisfy the reserve requirements. The FRB reserve requirement was $0 at December 31, 2022 and 2021.
XML 23 R11.htm IDEA: XBRL DOCUMENT v3.22.4
Note 3 - Investment Securities
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]

3.

Investment Securities

 

Debt securities are summarized as follows:

 

  

Amortized

  

Unrealized

  

Unrealized

  

Fair

 

December 31, 2022

 

cost

  

gains

  

losses

  

value

 
                 

Available for sale

                
                 

State and municipal

 $570,122  $-  $17,841  $552,281 

SBA pools

  1,033,606   1,425   15,234   1,019,797 

Corporate bonds

  10,414,146   -   1,024,250   9,389,896 

Mortgage-backed securities

  137,896,519   -   22,544,044   115,352,475 
  $149,914,393  $1,425  $23,601,369  $126,314,449 
                 

Held to maturity

                
                 

State and municipal

 $20,508,997  $4,176  $1,633,378  $18,879,795 
                 

December 31, 2021

                
                 

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 

 

 

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

 

December 31, 2022

 

cost

  

value

  

cost

  

value

 
                 

Within one year

 $580,522  $564,841  $330,000  $330,175 

Over one to five years

  3,079,483   2,937,072   474,937   469,235 

Over five to ten years

  7,324,263   6,440,264   3,308,340   3,162,389 

Over ten years

  -   -   16,395,720   14,917,996 
   10,984,268   9,942,177   20,508,997   18,879,795 

Mortgage-backed securities and SBA pools, due in monthly installments

  138,930,125   116,372,272   -   - 
  $149,914,393  $126,314,449  $20,508,997  $18,879,795 

 

Securities with a carrying value of $24,258,980 and $14,307,989 as of December 31, 2022 and 2021, respectively, were          pledged as collateral for securities sold under repurchase agreements and other collateralized deposits.

 

 

The following table sets forth the Company's gross unrealized losses on a continuous basis for investment securities, by category and length of time.

 

 

December 31, 2022

 

Less than 12 months

  

12 months or more

  

Total

 
      

Unrealized

      

Unrealized

      

Unrealized

 

Description of investments

 

Fair value

  

losses

  

Fair value

  

losses

  

Fair value

  

losses

 
                         

State and municipal

 $13,668,676  $1,057,412  $1,537,715  $593,807  $15,206,391  $1,651,219 

SBA pools

  -   -   857,259   15,234   857,259   15,234 

Corporate bonds

  4,184,875   356,746   4,805,021   667,504   8,989,896   1,024,250 

Mortgage-backed securities

  25,284,430   2,293,151   90,068,045   20,250,893   115,352,475   22,544,044 

Total

 $43,137,981  $3,707,309  $97,268,040  $21,527,438  $140,406,021  $25,234,747 

 

 

December 31, 2021

 

Less than 12 months

  

12 months or more

  

Total

 
      

Unrealized

      

Unrealized

      

Unrealized

 

Description of investments

 

Fair value

  

losses

  

Fair value

  

losses

  

Fair value

  

losses

 
                         

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 

 

Management has the ability and intent to hold securities classified as held to maturity until they mature, at which time the Company should receive full value for the securities. As of December 31, 2022, management did not have the intent to sell any of the securities before a recovery of cost. The unrealized losses are 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 investment 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 these factors, as of December 31, 2022, management believes the unrealized losses detailed in the table above are temporary and, accordingly, none of these unrealized losses have been recognized in the Company’s consolidated statement of income.

 

In 2022, there were no security sales.

 

In 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.
XML 24 R12.htm IDEA: XBRL DOCUMENT v3.22.4
Note 4 - Related Party Transactions
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Related Party Transactions Disclosure [Text Block]

4.

Related Party Transactions

 

Certain executive officers and directors of the Company, including members of their immediate families and companies in which they are significant owners (more than 10%), were indebted to the Company during 2022 and 2021. The loans were made on the same terms, including interest rates and collateral, as those prevailing at the time for comparable loans with borrowers who are not related to the Company. During the years ended December 31, 2022 and 2021, the activity of these loans was as follows:

 

  

2022

  

2021

 
         

Balance, beginning of year

 $13,822,556  $14,558,882 

Additions

  3,274,719   2,489,000 

Amounts collected

  (4,869,554)  (3,225,326)

Balance, end of year

 $12,227,721  $13,822,556 

 

Unused lines of credit to related parties totaled $208,100 and $143,000 at December 31, 2022 and 2021, respectively.

 

 

Letters of credit issued to related parties totaled $15,847 and $0 at December 31, 2022 and 2021, respectively.

 

Deposits at the Company from related parties totaled $10,138,362 and $27,187,933 at December 31, 2022 and 2021, respectively.

 

Payments to companies controlled by directors totaled $54,624 in 2022 and $40,754 in 2021.

 

On March 31, 2021, a company of which one of the Company’s directors is a co-owner purchased real property from the Company that was acquired in the Merger and on which Carroll previously operated a branch, resulting in net proceeds of $1,359,613. To finance the purchase of this real property, the Company made a loan to the buyer in the principal amount of approximately $1,096,000.
XML 25 R13.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

5.

Loans

 

Major categories of loans at December 31, 2022 and 2021 are as follows:

 

  

2022

  

2021

 
         

Real estate:

        

Commercial

 $351,794,702  $319,185,116 

Construction and land development

  23,978,373   28,221,854 

Residential

  114,683,149   107,436,033 

Commercial

  31,066,497   31,182,206 

Consumer

  156,422   355,958 
   521,679,143   486,381,167 

Less: Allowance for loan losses

  4,150,198   3,650,268 

Deferred origination fees net of costs

  608,405   719,565 
  $516,920,540  $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 December 31, 2022 and December 31, 2021, respectively, which are 100% guaranteed by the Small Business Administration (“SBA”). There were no PPP loans originated in 2022 compared to $22 million originated during 2021.

 

Year-end nonaccrual loans, segregated by class of loans, were as follows:

 

  

2022

  

2021

 
         

Real estate:

        

Commercial

 $502,961  $4,810,965 

Residential

  -   31,500 

Commercial

  152,449   152,449 

Total

 $655,410  $4,994,914 

 

 

At December 31, 2022, the Company had one non-accrual commercial real estate loan totaling $502,961 and one non-accrual commercial loan totaling $152,449. The commercial loan was secured by business assets and was personally guaranteed. Gross interest income of $45,856 would have been recorded in 2022 if these non-accrual loans had been current and performing in accordance with the original terms. The Company allocated $281,910 of its allowance for loan losses to these non-accrual loans.

 

At December 31, 2021, the Company had two non-accrual commercial real estate loan totaling $4,810,965, one non-accrual residential real estate loans totaling $31,500, and one non-accrual commercial loan totaling $152,449. The real estate loan was secured by real estate and business assets and was 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 non-accrual loans had been current and performing in accordance with the original terms. The Company allocated $281,910 of its allowance for loan losses to these non-accrual loans. The balance of the non-accrual 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 class of loans, as of year-end, 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

 

December 31, 2022

                            

Real estate:

                            

Commercial

 $-  $-  $502,961  $502,961  $351,291,741  $351,794,702  $- 

Construction and land development

  -   -   -   -   23,978,373   23,978,373   - 

Residential

  311,409   -   -   311,409   114,371,740   114,683,149   - 

Commercial

  -   -   152,449   152,449   30,914,048   31,066,497   - 

Consumer

  -   -   -   -   156,422   156,422   - 

Total

 $311,409  $-  $655,410  $966,819  $520,712,324  $521,679,143  $- 
                             

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 

 

 

Year-end impaired loans, segregated by class of loans, 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

 

December 31, 2022

                            

Commercial real estate

 $7,019,415  $6,516,454  $502,961  $7,019,415  $129,461  $6,920,174  $223,476 

Residential real estate

  256,350   256,350   -   256,350   -   147,789   10,594 

Commercial

  152,449   -   152,449   152,449   152,449   152,449   - 
  $7,428,214  $6,772,804  $655,410  $7,428,214  $281,910  $7,220,412  $234,070 
                             

December 31, 2021

                            

Commercial real estate

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

Construction and land development

  -   -   -   -   -   -   - 

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 certain loans, classified as TDRs that have been modified to grant economic concessions to borrowers who have experienced or are expected to experience 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 December 31, 2022, the Company had two commercial real estate loans totaling $6,516,454 and two residential loans totaling $256,350 that were classified as TDRs. All four loans are included in impaired loans above. Each loan is paying as agreed. None of the borrowers has defaulted nor have there been charge-offs or allowances associated with the four loans. One of the commercial real estate loans with a principal balance of $4,542,896 and one of the residential loans with a principal balance of $222,767 were restructured as TDRs during 2022.

 

At December 31, 2021, the Company had one commercial real estate loan totaling $2,009,967 and one residential loan totaling $39,228 classified as TDRs. Both loans are included in impaired loans above. Each loan is paying as agreed. None of the borrowers has defaulted nor have there been charge-offs or allowances associated with the two loans. There were no new TDRs in 2021.

 

 

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 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 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 Bank's credit position at some future date. Special mention loans are not adversely classified and do not expose the Bank to sufficient risk to warrant adverse classification. This classification is intended to be temporary while the Bank learns more about the condition of the borrower and the collateral.

 

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 inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank 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. These loans require more intense supervision by Bank management.

 

Doubtful

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

 

 

Loans by credit grade, segregated by loan type, at year-end, are as follows:

 

      

Above

          

Pass

  

Special

             

December 31, 2022

 

Excellent

  

average

  

Average

  

Acceptable

  

watch

  

mention

  

Substandard

  

Doubtful

  

Total

 
                                     

Real estate:

                                    

Commercial

 $-  $-  $65,908,980  $201,854,424  $70,826,837  $3,558,954  $9,645,507  $-  $351,794,702 

Construction and land development

  -   -   3,845,351   12,087,402   8,045,620   -   -   -   23,978,373 

Residential

  15,613   573,108   35,774,807   63,833,864   10,815,681   1,397,282   2,272,794   -   114,683,149 

Commercial

  178,916   -   4,347,337   16,039,145   9,773,961   574,689   152,449   -   31,066,497 

Consumer

  722   15,715   93,684   4,439   6,481   -   -   35,381   156,422 
  $195,251  $588,823  $109,970,159  $293,819,274  $99,468,580  $5,530,925  $12,070,750  $35,381  $521,679,143 

 

      

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 following tables detail activity in the allowance for loan losses by portfolio for the years ended December 31, 2022 and 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

              

balance evaluated for impairment:

  

evaluated for impairment:

 
  

Beginning

  

for loan

  

Charge

      

Ending

  

Purchase Credit

  

Purchase Credit

 

December 31, 2022

 

balance

  

losses

  

offs

  

Recoveries

  

balance

  

Individually

  

Impaired

  

Collectively

  

Individually

  

Impaired

  

Collectively

 
                                             

Real estate:

                                            

Commercial

 $2,482,930  $343,424  $(7,772) $-  $2,818,582  $129,461  $-  $2,689,121  $7,019,415  $-  $344,775,287 

Construction and land development

  214,547   (66,151)  -   16,200   164,596   -   -   164,596   -   369,622   23,608,751 

Residential

  603,558   171,391   -   18,970   793,919   -   -   793,919   256,350   209,583   114,217,216 

Commercial

  255,413   84,358   (2,468)  -   337,303   152,449   -   184,854   152,449   -   30,914,048 

Consumer

  4,370   336   -   -   4,706   -   -   4,706   -   -   156,422 

Unallocated

  89,450   (58,358)  -   -   31,092   -   -   31,092   -   -   - 
  $3,650,268  $475,000  $(10,240) $35,170  $4,150,198  $281,910  $-  $3,868,288  $7,428,214  $579,205  $513,671,724 

 

 

                      

Allowance for loan losses ending

  

Outstanding loan balances

 
      

Provision

              

balance evaluated for impairment:

  

evaluated for impairment:

 
  

Beginning

  

for loan

  

Charge

      

Ending

  

Purchase Credit

  

Purchase Credit

 

December 31, 2021

 

balance

  

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 

 

Loans acquired from Carroll were measured at fair value at the acquisition date with no carryover of any allowance for loan losses. The following table provides activity for the accretable credit discount of purchased loans:

 

Balance at December 31, 2021

 $1,629,242 

Transfer to accretable

  - 

Accretion

  (698,269)

Balance at December 31, 2022

 $930,973 

 

During 2021, accretion of $1,081,403 was recorded.         

 

At December 31, 2022, the nonaccretable difference on purchased credit impaired loans was $233,411, a decrease of $233,176 from December 31, 2021 as a result of a loan pay off. At December 31, 2022, the accretable discount on purchased credit impaired loans was $0 after the accretion of $140,608 as a result of a loan payoff. At December 31, 2022, the remaining yield premium on purchased loans was $878,756. Yield premium amortization was $526,377 and $718,875 in 2022 and 2021, respectively. At December 31, 2022, the principal balance of purchased loans was $86,649,656 and the carrying value was $86,364,028.

 

Loans having an aggregate balance of approximately $458.9 million were pledged as collateral to the FHLB as of December 31, 2022. Loans having an aggregate balance of approximately $62.7 million were pledged as collateral to the Federal Reserve Bank of Richmond (the “FRB”) as of December 31, 2022. At December 31, 2022 and 2021, the Company serviced participation loans for others totaling $13.5 and $22.1 million, respectively.

 

The Company makes loans to customers located primarily in Baltimore County and Carroll County, Maryland and in surrounding areas of northern Maryland. Although management believes that the loan portfolio is diversified, many loans are secured by real estate and its performance will be influenced by the economy of the region, including local real estate markets.

 
XML 26 R14.htm IDEA: XBRL DOCUMENT v3.22.4
Note 6 - Premises and Equipment
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Property, Plant and Equipment Disclosure [Text Block]

6.

Premises and Equipment

 

A summary of premises and equipment is as follows:

 

  

Useful lives

  

2022

  

2021

 
             

Land and improvements

  -  $2,602,998  $2,602,998 

Buildings and improvements

 

15-39 years

   6,171,003   6,302,622 

Furniture and equipment

 

3-10 years

   5,162,976   4,752,133 
       13,936,977   13,657,753 

Accumulated depreciation and amortization

      7,750,383   7,398,332 
      $6,186,594  $6,259,421 
             

Depreciation and amortization expense

     $445,939  $434,434 

 

In July 2022, the Company’s Upperco, Maryland location incurred significant storm damage to the building and its contents. Insurance proceeds of $779,064 were received. $67,850 was used to repair the roof. The remainder of $711,214 less the book value of the damaged portion of the building and contents of $37,732 resulted in a gain of $673,483.

 

On March 31, 2021, the Company sold real property for net proceeds of $1,359,613. The carrying value of the land, building, and furniture and equipment at the time of the sale was $1,322,000, resulting in a gain of $37,613.

 

Software with a net book value of $90,927 and $118,614 as of December 31, 2022 and 2021, respectively, is included in other assets. Amortization expense of $36,550 and $36,509 was recorded in 2022 and 2021, respectively.
XML 27 R15.htm IDEA: XBRL DOCUMENT v3.22.4
Note 7 - Goodwill and Other Intangibles
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Goodwill and Intangible Assets Disclosure [Text Block]

7.

Goodwill and Other Intangibles

 

The Merger 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, 2020

 $6,978,208  $81,200  $7,059,408 

Amortization

  -   (8,328)  (8,328)

Balance at December 31, 2021

  6,978,208   72,872   7,051,080 

Amortization

  -   (8,328)  (8,328)

Balance at December 31, 2022

 $6,978,208  $64,544  $7,042,752 

 

The CDI is being amortized over 10 years on a straight line basis. Annual amortization will be $8,328 per year and $6,246 in year 10. Since the Merger was a tax-free reorganization, goodwill and CDI are not deductible for income tax purposes.

 
XML 28 R16.htm IDEA: XBRL DOCUMENT v3.22.4
Note 8 - Commitments and Contingencies
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Lessee, Operating Leases [Text Block]

8.

Commitments and Contingencies

 

Lease Commitments

 

The Company has an operating lease for the land on which the Hampstead branch is located. The initial term of the lease expired on September 30, 2009 and the lease was renewed for three five year terms with an expiration date of September 30, 2024. The lease has options to renew for five additional consecutive five-year terms. Effective in July 2012, the Company entered into an operating lease for certain facilities where the Greenmount branch is located. The initial term of the lease was for five years and, effective January 2018, the lease has been renewed for one five-year term with an option to renew for an additional five-year term. The Company entered into an operating lease for the corporate headquarters in June 2015. In July 2019, the lease was amended to increase the amount of space. The lease was renewed in June 2020 with options to renew for three additional consecutive five year terms. In May 2018, the Company entered into a lease for its Carroll Lutheran Village branch with a term of five years and the option to renew for two additional five year terms.

 

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

 

 

Consolidated Balance

        
 

Sheet classification

 

December 31, 2022

  

December 31, 2021

 

Operating lease right of use asset

Other assets

 $943,933  $1,093,382 

Operating lease liabilities

Other liabilities

  1,166,476   1,311,570 

 

Operating lease cost included in occupancy expense in the statement of income was $188,909 during 2022 and $191,913 during 2021.

 

Future undiscounted lease payments for operating leases with initial terms of one year or more as of December 31, 2022 are as follows:

 

Year

 

Amount

 
     

2023

 $188,734 

2024

  194,252 

2025

  199,944 

2026

  205,816 

2027

  211,874 

Thereafter

  282,496 

Total lease payments

  1,283,116 

Less imputed interest

  (116,640)

Present value of operating lease liabilities

 $1,166,476 

 

For operating leases as of December 31, 2022, the weighted average remaining lease term is 6.54 years and the weighted average discount rate is 3.25%. During the years ended December 31, 2022 and 2021, cash paid for amounts included in the measurement of lease liabilities was $184,554 and $174,860, respectively.

 

 

Credit Commitments

 

Outstanding loan commitments, unused lines of credit, and letters of credit as of December 31, were as follows:

 

  

2022

  

2021

 
         

Loan commitments

        

Construction and land development

 $911,500  $6,810,353 

Commercial

  398,046   630,000 

Commercial real estate

  9,264,000   23,552,400 

Residential

  3,402,371   3,804,617 
  $13,975,917  $34,797,370 
         

Unused lines of credit

        

Home-equity lines

 $12,086,758  $12,707,519 

Commercial lines

  25,464,025   28,828,911 
  $37,550,783  $41,536,430 
         

Letters of credit

 $1,403,956  $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 necessarily 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.

 

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.

 

Insurance Reserves

 

Until November 6, 2022, through reinsurance and pooling arrangements, the Insurance Subsidiary insured risks of the Bank (primarily professional liability) that were not available in typical commercially available policies. In addition, the Insurance Subsidiary, as one protected cell of a protected cell captive insurance company, is responsible for a portion of all claims filed by the other captive insurance companies that participate in the pool in which the Insurance Subsidiary participates. The Company records liabilities for claims incurred but not reported based on historical loss information and claim emergence patterns. Total liabilities related to Insurance Subsidiary claims at December 31, 2022 and 2021 were $530,720 and $390,171, respectively, and are included in other liabilities in the Consolidated Balance Sheet. The Bank did not renew the policy through the Insurance Subsidiary after the previous policy expired on November 6, 2022. The Bank may renew the policy at a later date.

 
XML 29 R17.htm IDEA: XBRL DOCUMENT v3.22.4
Note 9 - Retirement Plans
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Retirement Benefits [Text Block]

9.

Retirement Plans

 

The Company has a profit sharing plan qualifying under Section 401(k) of the Internal Revenue Code. All employees age 21 or more 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 $256,251 and $259,042 for 2022 and 2021, respectively.

 

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. Some of the policies provide benefits subsequent to the employee’s employment with the Company. For this plan, the Company expensed $6,809 and $6,643 in 2022 and 2021, respectively.

 

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, including interest, of $154,911 and $168,129 in 2022 and 2021, respectively, for these plans.

 

Retirement plan expenses are included in employee benefits on the Consolidated Statements of Income.
XML 30 R18.htm IDEA: XBRL DOCUMENT v3.22.4
Note 10 - Interest-bearing Deposits
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Deposit Liabilities Disclosures [Text Block]

10.

Interest-Bearing Deposits

 

Major classifications of interest-bearing deposits are as follows:

 

  

2022

  

2021

 
         

NOW

 $135,716,736  $130,486,845 

Money market

  99,173,640   90,994,339 

Savings

  103,308,454   99,959,988 

Certificates of deposit, greater than $250,000

  37,976,238   34,697,273 

Other time deposits

  120,740,707   146,100,610 
  $496,915,775  $502,239,055 

 

As of December 31, 2022, certificates of deposit mature as follows:

 

Year

 

Amount

 
     

2023

 $110,590,325 

2024

  39,187,383 

2025

  4,711,082 

2026

  2,570,470 

2027

  1,657,685 
  $158,716,945 

 

In connection with the Merger, the Company recognized a certificate of deposit premium of $616,377, which is being accreted using the interest method based upon the maturity of each certificate of deposit. Accretion of $160,923 and $249,840 were recorded in 2022 and 2021, respectively.
XML 31 R19.htm IDEA: XBRL DOCUMENT v3.22.4
Note 11 - Borrowed Funds
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Debt Disclosure [Text Block]

11.

Borrowed Funds

 

Borrowed funds consist of securities sold under repurchase agreements, which represent overnight or term borrowings from customers, advances from the FHLB of Atlanta, the FRB, and overnight borrowings from a commercial bank. The government agency securities that are the collateral for these agreements are owned by the Company and maintained in the custody of an unaffiliated agent designated by the Company.

 

 

On September 30, 2020, Farmers and Merchants Bancshares, Inc. borrowed $17,000,000 from First Horizon Bank (“FHN”) to be used, on October 1, 2020, to fund a portion of the merger consideration paid in the Merger. Net of issuance costs of $28,126, the proceeds of the net long-term debt were $16,971,874. The loan matures on September 30, 2025. The interest rate on the loan is fixed at 4.10%. The Company made quarterly interest-only payments 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 is 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 the lender.

 

Additional information is as follows:

 

      

2022

  

2021

 
             

Amounts outstanding at year-end:

            

Securities sold under repurchase agreements

     $5,175,303  $5,414,026 
             

Federal Home Loan Bank advances:

            

Maturity date

 

Interest Rate

  

Amount

 

3/30/2025 - fixed rate

  1.00%   5,000,000   5,000,000 

11/20/2023 - daily rate

  4.57%   15,000,000   - 
             
  

Total

  $20,000,000  $5,000,000 

Long-term debt (net of issuance costs):

            

Maturity date

 

Interest Rate

  

Amount

 

9/30/2025

  4.10%   15,095,642   16,978,905 

Weighted average rate paid at December 31:

            

Securities sold under repurchase agreements

      0.30%  0.31%

Federal Home Loan Bank advances

      3.68%  1.00%

Long-term debt

      4.10%  4.10%
             

Average rate paid during the year ended December 31:

         

Securities sold under repurchase agreements

      0.30%  0.43%

Federal Home Loan Bank advances

      1.55%  1.01%

Long-term debt

      4.10%  4.10%
             

Investment securities underlying the repurchase agreements at December 31:

     

Carrying value

     $11,389,983  $7,062,928 
             

Loans pledged to the Federal Home Loan Bank at December 31:

         

Carrying value - loans

     $458,863,387  $111,547,027 
             

Loans pledged to the Federal Reserve Bank at December 31:

         

Carrying value

     $62,720,368  $55,399,031 

 

The Company is approved to borrow approximately $60.5 million against eligible pledged single family residential loans, eligible pledged multi-family loans, eligible pledged commercial loans, and eligible pledged securities under a secured line of credit with the FHLB. In addition, the Company has a facility with the FRB whereby the Company can borrow up to $25.4 million. The Company also has available an unsecured federal funds line of credit of $14.5 million and a secured federal funds line of credit of $9 million from commercial banks.

 
XML 32 R20.htm IDEA: XBRL DOCUMENT v3.22.4
Note 12 - Income Taxes
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Income Tax Disclosure [Text Block]

12.

Income Taxes

 

The components of income tax expense are as follows:

 

  

2022

  

2021

 

Current

        

Federal

 $1,852,205  $1,798,535 

State

  883,493   794,348 
   2,735,698   2,592,883 

Deferred

  (250,672)  (160,070)
  $2,485,026  $2,432,813 

 

The components of the deferred tax expense are as follows:

 

  

2022

  

2021

 

Depreciation

 $15,108  $8,291 

Insurance proceeds for storm damage

  185,326  $- 

Provision for loan losses

  (160,332)  (141,488)

Other real estate owned allowance for loss

  -   (46,561)

Nonaccrual interest

  (29,429)  (83,961)

Prepaid captive insurance premium

  (357,518)  (14,375)

Write-down of equity securities

  (11,583)  (4,227)

Lease liability, net of right of use asset

  (1,198)  (4,693)

Purchase accounting adjustments

  153,455   175,037 

Post-retirement benefits

  (44,501)  (48,093)
  $(250,672) $(160,070)

 

The components of the net deferred tax asset are as follows:

 

  

2022

  

2021

 

Deferred tax assets

        

Allowance for loan losses

 $1,111,679  $951,348 

Other real estate owned allowance for loss

  434,628   434,628 

Capital loss carryover

  -   5,300 

Nonaccrual interest

  118,010   88,581 

Post-retirement benefits

  695,983   651,482 

Purchase accounting adjustments

  81,687   235,142 

Unrealized loss on securities available for sale

  6,433,263   468,726 

Lease liability, net of right of use asset

  61,238   60,040 

Other

  21,079   - 
   8,957,567   2,895,247 

Deferred tax liabilities

        

Prepaid captive insurance premium

  -   357,518 

Depreciation

  364,008   348,900 

Insurance proceeds from storm damage

  185,326   - 

Other

  15,575   11,379 
   564,909   717,797 

Net deferred tax asset

 $8,392,658  $2,177,450 

 

 

The differences between the federal income tax rate in effect each year and the effective tax rate for the Company are reconciled as follows:

 

  

2022

  

2021

 

Statutory federal income tax rate

  21.0

%

  21.0

%

Increase (decrease) resulting from:

        

Federal tax-exempt income

  (3.6)  (4.4)

State income taxes, net of federal income tax benefit

  5.8   5.8 

Other

  0.3   0.6 
   23.5

%

  23.0

%

 

Included in Federal tax-exempt income is the insurance premium revenue of the Insurance Subsidiary.

 

The IRS recently audited our fiscal year 2016, 2017, and 2018 U.S. consolidated federal tax returns. As part of its audits, the IRS reviewed the deductions related to, and the income generated by, the Insurance Subsidiary. Following the completion of these audits, the IRS notified the Company that it disagrees with our tax treatment of the Insurance Subsidiary. The Company has appealed the determination, and management believes that it is more than likely that the Company will prevail in that appeal. If we do not prevail in our appeal to this decision, then we could be required to pay taxes, interest, and penalties totaling approximately $3.0 million as of December 31, 2022 for the tax years under appeal. In addition, the IRS is also auditing our fiscal year 2019, 2020, and 2021 U.S. consolidated federal tax returns. Management cannot predict whether any of the tax positions taken in our 2019, 2020 or 2021 tax returns will be challenged by the IRS or, if challenged, whether we will be successful in defending those tax positions. If we are not successful in defending a challenge, then we may be required to amend the applicable tax return and pay additional taxes, interest, fines and/or penalties and our taxable earnings and/or the effective tax rate on our future earnings could increase substantial. In light of the foregoing, a reserve for uncertain tax positions has not been recorded.

 

The Company does not have other material uncertain tax positions and did not recognize any adjustments for unrecognized tax benefits. The Company remains subject to examination of income tax returns for the years ending after December 31, 2018.
XML 33 R21.htm IDEA: XBRL DOCUMENT v3.22.4
Note 13 - Capital Standards
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Regulatory Capital Requirements under Banking Regulations [Text Block]

13.

Capital Standards

 

The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and 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.

 

The Basel III Capital Rules became effective for the Bank on January 1, 2015 (subject to a phase-in period for certain provisions). 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.

 

Under the revised prompt corrective action requirements, 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%.

 

The implementation of the capital conservation buffer began on January 1, 2015, 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.

 

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.

 

On September 17, 2019, the FDIC finalized a rule that introduces an optional simplified measure of capital adequacy for qualifying community banking organizations (i.e., the community bank leverage ratio (“CBLR”) framework), as required by the Economic Growth, Regulatory Relief and Consumer Protection Act. The CBLR framework is designed to reduce burden by removing the requirements for calculating and reporting risk-based capital ratios for qualifying community banking organizations that opt into the framework.

 

On April 6, 2020, in a joint statement, the FDIC, Federal Reserve and the Office of Comptroller of the Currency (“OCC”), issued two interim final rules regarding temporary changes to the CBLR framework to implement provisions of the CARES Act. Under the interim final rules, the community bank leverage ratio was reduced to 8% beginning in the second quarter and for the remainder of calendar year 2020, 8.5% for calendar year 2021, and 9% thereafter. In order to qualify for the CBLR framework, a community banking organization must have a tier 1 leverage ratio of greater than 8%, less than $10 billion in total consolidated assets, and limited amounts of off-balance-sheet exposures and trading assets and liabilities. A qualifying community banking organization that opts into the CBLR framework and meets all requirements under the framework will be considered to have met the well-capitalized ratio requirements under the Prompt Corrective Action regulations and will not be required to report or calculate risk-based capital. The Company has not opted-in to the CBLR framework.

 

The following table presents actual and required capital ratios as of December 31, 2022 and 2021, for the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of December 31, 2022 and 2021, based on the 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.

 

 

As of December 31, 2022 the most recent notification from the FDIC has categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain ratios as set forth in the table. There have been no conditions or events since that notification that management believes have changed the Bank's category. Capital ratios of the Company are substantially the same as the Bank’s.

 

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. The following table presents actual and required capital ratios as of December 31, 2022 and 2021, for the Bank under the Basel III Capital Rules.

 

          

Minimum

  

To Be Well

 

(Dollars in thousands)

 

Actual

  

Capital Adequacy

  

Capitalized

 

December 31, 2022

 

Amount

  

Ratio

  

Amount

  

Ratio

  

Amount

  

Ratio

 
                         

Total capital (to risk-weighted assets)

 $75,826   12.96% $61,410   10.50% $58,486   10.00%

Tier 1 capital (to risk-weighted assets)

  71,676   12.26%  49,713   8.50%  46,789   8.00%

Common equity tier 1 (to risk- weighted assets)

  71,676   12.26%  40,940   7.00%  38,016   6.50%

Tier 1 leverage (to average assets)

  71,676   9.83%  29,167   4.00%  36,459   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 R22.htm IDEA: XBRL DOCUMENT v3.22.4
Note 14 - Fair Value
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Fair Value Disclosures [Text Block]

14.

Fair Value

 

Accounting standards define fair value as the price that would be received upon the sale of an asset or paid upon the transfer of a liability in an orderly transaction between market participants (an “exit” price). The price in the principal market used to measure the fair value of the asset or liability is not adjusted for transaction costs. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact.

 

The standards require the use of valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the service capacity of an asset (replacement cost). Valuation techniques should be consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. The standards establish a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs.

 

 

The fair value hierarchy is as follows:

 

 

●

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the Company 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. For securities where quoted market prices for similar securities are not available, the book value of the security is used as the fair value.

 

 

●

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.

 

 

●

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. State of Maryland regulations require that OREO is written down to $0 after a certain period of time.

 

 

●

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 December 31, 2022 and 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

 

December 31, 2022

                

Recurring:

                

Available for sale securities

                

State and municipal

 $-  $552,281  $-  $552,281 

SBA pools

  -   1,019,797   -   1,019,797 

Corporate bonds

  -   8,989,896   400,000   9,389,896 

Mortgage-backed securities

  -   115,352,475   -   115,352,475 
  $-  $125,914,449  $400,000  $126,314,449 
                 

Equity security at fair value

 $489,145  $-  $-  $489,145 

Nonrecurring:

                

Other real estate owned, net

 $-  $-  $1,242,365  $1,242,365 

Impaired loans

  -   -   373,500   373,500 
                 

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

 $543,605  $-  $-  $543,605 

Nonrecurring:

                

Other real estate owned, net

 $-  $-  $1,242,365  $1,242,365 

Impaired loans

  -   -   373,500   373,500 

 

The following table provides information describing the unobservable inputs used in level 3 fair value measurements at December 31, 2022 and 2021:

 

December 31, 2022 and 2021

       
           

Description of Asset

 

Fair Value

 

Valuation technique

Unobservable Inputs

 

Range (Average)

 
           

Loans with Impairment

 $373,500 

Third party appraisals and in-house real estate valuations of fair value

Marketability/selling costs and current market conditions

  0%to20%(10%)
           

Other real estate loans

 $1,242,365 

Third party appraisals and in-house real estate valuations of fair value

Marketability/selling costs and current market conditions

  0%to10%(5%)

 

 

Reconciliation of Level 3 Inputs

 
     
  

Corporate

 
  

Bonds

 
     

December 31, 2021 fair value

 $650,000 

Additions

  - 

Principal payments received

  - 

Transfer to level 2

  (250,000)

December 31, 2022 fair value

 $400,000 

 

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:

 

  

December 31, 2022

  

December 31, 2021

 
  

Carrying

  

Estimated

  

Carrying

  

Estimated

 
  

Amount

  

Fair Value

  

Amount

  

Fair Value

 

Financial assets

                

Level 1 inputs

                

Cash and cash equivalents

 $7,263,537  $7,263,537  $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

  1,815,784   1,815,784   1,609,063   1,609,063 

Securities held to maturity

  17,537,377   15,908,175   18,778,935   19,732,561 

Mortgage loans held for sale

  428,355   434,271   126,500   128,829 

Restricted stock, at cost

  1,332,500   1,332,500   675,400   675,400 

Bank owned life insurance

  14,585,342   14,585,342   11,556,163   11,556,163 

Level 3 inputs

                

Securities held to maturity (1)

  2,971,620   2,971,620   3,073,040   3,073,040 

Loans, net

  516,920,540   503,144,771   482,011,334   487,012,970 
                 

Financial liabilities

                

Level 1 inputs

                

Noninterest-bearing deposits

 $126,695,349  $126,695,349  $124,175,615  $124,175,615 

Securities sold under repurchase agreements

  5,175,303   5,175,303   5,414,026   5,414,026 

Level 2 inputs

                

Interest-bearing deposits

  496,915,775   492,769,775   502,239,055   502,396,172 

Federal Home Loan Bank advances

  20,000,000   19,622,000   5,000,000   4,967,000 

Long-term debt

  15,095,642   14,241,237   16,978,905   17,298,111 

Accrued interest payable

  349,910   349,910   295,910   295,910 

 

(1) - Debt securities recorded at book value with unrealized gain/loss estimated to be immaterial.

 
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Note 15 - Parent Company Financial Information
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Condensed Financial Information of Parent Company Only Disclosure [Text Block]

15.

Parent Company Financial Information

 

The condensed financial statements for the Company (parent only) are presented below:

 

Balance Sheets

 
         

December 31,

 

2022

  

2021

 
         

Assets

 
         

Cash and cash equivalents

 $806,384  $930,354 

Investment in subsidiaries

  62,064,533   72,662,265 

Other assets

  158,127   185,866 
  $63,029,044  $73,778,485 
         

Liabilities and Stockholders' Equity

 
         

Long-term debt

 $15,095,642  $16,978,905 

Accrued interest payable

  158,439   178,122 
   15,254,081   17,157,027 

Stockholders' equity

        

Common stock, par value $.01 per share, authorized 5,000,000 shares; issued and outstanding 3,071,214 in 2022 and 3,037,137 shares in 2021

  30,712   30,372 

Additional paid-in capital

  29,549,914   28,857,422 

Retained earnings

  35,300,166   29,128,600 

Accumulated other comprehensive income

  (17,105,829)  (1,394,936)
   47,774,963   56,621,458 
  $63,029,044  $73,778,485 

 

Statements of Income

 
         

Years Ended December 31,

 

2022

  

2021

 
         

Income

        

Cash dividends from subsidiaries

 $3,574,000  $2,595,000 

Total income

  3,574,000   2,595,000 
         

Interest expense - long-term debt

  (664,621)  (712,306)

Noninterest expense

  (90,969)  (537)
         

Income before income taxes and equity in (distributed) undistributed income of subsidiaries

  2,818,410   1,882,157 

Income taxes (benefit)

  (158,556)  (149,486)

Income before equity in (distributed) undistributed income of subsidiaries

  2,976,966   2,031,643 

Dividends in excess of income of insurance subsidiary

  (247,472)  (100,019)

Equity in undistributed income of bank subsidiary

  5,360,633   6,217,982 

Net Income

 $8,090,127  $8,149,606 

 

 

 

Statements of Cash Flows

        
         

Years Ended December 31,

 

2022

  

2021

 
         

Cash flows from operating activities

        

Net Income

 $8,090,127  $8,149,606 

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

        

Equity in undistributed income of bank subsidiary

  (5,360,633)  (6,217,982)

Decrease in accrued interest payable

  (19,683)  (1,935)

Amortization of debt issuance costs

  5,625   5,625 

Change in income tax receivable

  27,739   (149,486)

Dividend received in excess of income of insurance subsidiary

  247,472   100,019 

Cash provided by operating activities

  2,990,647   1,885,847 
         

Cash flows from investing activities

        

Cash used by investing activities

  -   - 
         

Cash flows from financing activities

        

Long-term debt

  (1,888,888)  - 

Dividends paid, net of reinvestments

  (1,225,729)  (1,156,418)

Cash used in financing activities

  (3,114,617)  (1,156,418)
         

Net (decrease) increase in cash and cash equivalents

  (123,970)  729,429 
         

Cash and cash equivalents at beginning of period

  930,354   200,925 

Cash and cash equivalents at end of period

 $806,384  $930,354 

 
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Note 16 - Litigation
 12 Months Ended
Dec. 31, 2022
Notes to Financial Statements  
Legal Matters and Contingencies [Text Block]

16.

Litigation

 

In the ordinary course of its business, the Company is periodically party to various legal actions normally associated with a financial institution. Management does not believe that any of these normal course proceedings are likely to have a material adverse effect on the financial condition or liquidity of the Company.

 
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Significant Accounting Policies (Policies)
 12 Months Ended
Dec. 31, 2022
Accounting Policies [Abstract]  
Consolidation, Policy [Policy Text Block]

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 is a series investment, 100% owned by the Company, in First Community Bankers Insurance Co., LLC, a Tennessee “series” limited liability company and licensed property and casualty insurance company. Intercompany balances and transactions, including insurance premiums paid by the Bank that were received by the Insurance Subsidiary through an intermediary, have been eliminated. Effective October 1, 2020, the Company acquired Carroll Bancorp, Inc. and its wholly-owned subsidiary, Carroll Community Bank (collectively, “Carroll”), both of which were based in Eldersburg, Maryland, through a series of merger transactions (the “Merger”).
Business Description, Policy [Policy Text Block]

Business

The Bank provides banking services to individuals and businesses located in Baltimore County, Maryland, Carroll County, Maryland and surrounding areas of northern Maryland. The Insurance Subsidiary is a captive insurance entity that provides insurance coverage for the Bank. The Bank chose not to renew coverage effective on November 7, 2022, but may do so in the future, The Insurance Subsidiary is still responsible for claims for events that occurred prior to November 7, 2023. Reliable Community Financial Services, Inc. is licensed to provide a wide range of investment and insurance products to its customers, but is inactive.
Reclassification, Comparability Adjustment [Policy Text Block]

Reclassifications

Certain reclassifications have been made to the 2021 financial statements to conform to the current year presentation. These reclassifications had no effect on net income or stockholders’ equity.
Cash and Cash Equivalents, Policy [Policy Text Block]

Cash and cash equivalents

For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, money market funds, and federal funds sold. Generally, federal funds are purchased and sold for one-day periods.
Comprehensive Income, Policy [Policy Text Block]

Comprehensive (loss) income

Comprehensive (loss) income includes net income and the unrealized gains or losses on investment securities available for sale, net of income taxes.
Investment, Policy [Policy Text Block]

Investment securities

As debt securities are purchased, management determines if the securities should be classified as held to maturity or available for sale. Securities that management has the intent and ability to hold to maturity are recorded at amortized cost, which is cost adjusted for amortization of premiums and accretion of discounts. Discounts are accreted through maturity. Premiums are amortized through the earliest call date. Securities held to meet liquidity needs or that may be sold before maturity are classified as available for sale and carried at fair value with unrealized gains and losses included in stockholders' equity on an after-tax basis. Gains and losses on disposal are determined using the specific-identification method. The Company amortizes premiums and accretes discounts using the interest method.

 

 

The Company regularly evaluates its securities whose values have declined below their amortized cost to assess whether the decline in fair value is other-than-temporary. The Company considers various factors in determining whether a decline in fair value is other-than-temporary including the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads, the expected recovery period and other quantitative and qualitative information. The valuation of securities for impairment is a process subject to estimation, judgment and uncertainty and is intended to determine whether declines in the fair value of investments should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions and future changes in assessments of the aforementioned factors. It is expected that such factors will change in the future, which may result in future other-than-temporary impairments. For impairments of debt securities that are deemed to be other-than-temporary, the credit portion of an other-than-temporary impairment loss is recognized in earnings and the non-credit portion is recognized in accumulated other comprehensive income in those situations where the Company does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security prior to recovery.
Equity Securities, Policy [Policy Text Block]

Equity security at fair value

The Company owns a mutual fund that is measured at fair value with changes in fair value recognized in noninterest income.
Federal Home Loan Bank stocks [Policy Text Block]

Restricted stock, at cost

         Restricted stock consists of Federal Home Loan Bank of Atlanta (the “FHLB”) stock, Community Bankers Bank (“CBB”) stock, and Atlantic Community Bankers Bank (“ACBB”) stock. As a member of the FHLB, the Bank is required to purchase FHLB stock in an amount that is based on the Bank’s total assets. Additional stock is purchased and redeemed based on the outstanding FHLB advances to the Bank. CBB and ACBB require its correspondent banking institutions to hold stock as a condition of membership. The restricted investment in bank stocks is carried at cost. On a quarterly basis, management evaluates the bank stocks for impairment based on assessment of the ultimate recoverability of cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of cost is influenced by criteria such as operating performance, liquidity, funding and capital positions, stock repurchase history, dividend history, and impact of legislative and regulatory changes.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]

Loans and allowance for loan losses

Loans are stated at the current amount of unpaid principal, adjusted for deferred origination costs, deferred origination fees, premiums and discounts on acquired loans, and the allowance for loan losses. Interest on loans is accrued based on the principal amounts outstanding. Origination fees and costs, along with premiums and accretable discounts, are amortized to income over the terms of loans.

 

Past due status is based on the contractual terms of the loan. Management may make an exception to reporting a loan as past due, if the past due status is solely due to the loan being past maturity, the Company intends to extend the loan, and the borrower is making principal and interest payments in accordance with the terms of the matured note. The accrual of interest is discontinued when any portion of the principal or interest is 90 days past due and collateral is insufficient to discharge the debt in full. If collection of principal is evaluated as doubtful, all payments are applied to principal. Loans are considered impaired when, based on current information, management considers it unlikely that the collection of principal and interest payments will be made according to contractual terms when due. Generally, loans are not reviewed for impairment until the accrual of interest has been discontinued, the loans are included on the watch list, or the loans are troubled debt restructurings (“TDRs”).

 

 

The allowance for loan losses represents an amount which, in management’s judgment, will be adequate to absorb probable and estimable losses on existing loans and other extensions of credit that may become uncollectible. The Company’s allowance for loan losses consists of three elements: (i) segregating the loan portfolio into pools based upon similar characteristics and risk profiles and applying a loss factor to the pools, based on historical losses within those pools; (ii) applying qualitative factors to the loan pools that consider economic and other factors, both internal and external, affecting the Company and the pools; and (iii) determining specific reserves based on individual evaluation of impaired loans that are not included in the pools discussed above.

 

The allowances established for probable and estimable losses on impaired loans are based on a regular analysis and evaluation of problem loans. Management maintains a watch list of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the borrower’s ability to repay; (ii) the underlying collateral, if any; (iii) the economic environment; and (iv) for commercial borrowers, the industry in which the borrower operates. Specific valuation allowances are determined when the collateral value, if the loan is collateral dependent, or the discounted cash flows of the impaired loan is lower than the carrying value.

 

Historical valuation allowances are calculated based on the historical loss experience of specific types of loans. The Company calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual charge-offs experienced to the total population of loans in the pool over the prior twenty quarters. The historical loss ratios are updated quarterly based on actual charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the annual historical loss ratio and the total dollar amount of the loans in the pool.

 

Adjustments to the historical valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Company. In general, such adjustments are determined by evaluating, among other things: (i) the impact of economic conditions on the portfolio; (ii) changes in asset quality, including delinquency trends; (iii) the impact of changing interest rates on portfolio risk; (iv) changes in legislative and regulatory policy; (v) the composition and concentrations of credit; and (vi) the effectiveness of the internal loan review function as well as changes to policies and experience of loan personnel. Management evaluates these qualitative factors on a quarterly basis. Each factor could result in an adjustment that is positive, negative, or no impact.

 

Loan losses are charged to the allowance when management believes that collection is unlikely. Collections of loans previously charged off are added to the allowance at the time of recovery.

 

Loans acquired in connection with business combinations are recorded at fair value with no carryover of any allowance for loan losses. Fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest.

 

Loans acquired through business combinations that are designated as purchase credit impaired loans because they meet the specific criteria of Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality are individually evaluated each period to recast expected cash flows. To the extent that the expected cash flows of a loan have decreased due to credit deterioration, the Company establishes an allowance.

 

 

The excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loan. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. These loans are accounted for under ASC 310-30. The nonaccretable difference includes estimated future credit losses expected to be incurred over the life of the loan. Subsequent decreases in expected cash flows will require us to evaluate the need for an addition to the allowance for loan losses. Subsequent improvement in expected cash flows will result in the transfer of a corresponding amount of the nonaccretable difference, which we will then reclassify as accretable discount to be recognized into interest income over the remaining life of the loan.

 

Loans acquired through business combinations that do not meet the specific criteria of ASC 310-30 are accounted for under ASC 310-20, Receivables - Nonrefundable Fees and Other Costs. These loans are initially recorded at fair value, and include credit and interest rate marks associated with acquisition accounting adjustments. Purchase premiums or discounts are subsequently amortized as an adjustment to yield over the estimated contractual lives of the loans. There is no allowance for loan losses established at the acquisition date for acquired performing loans. Subsequent to acquisition, a quarterly comparison of the remaining fair value discount to the required allowance under appropriate methodology is performed. If the fair value discount remains in excess of the required allowance, then no adjustment is made. If the fair value falls below the required reserve, then a charge to the provision is recorded for the shortfall as part of the allowance for loan losses.
Mortgage Banking Activity [Policy Text Block]

Mortgage loans held for sale and mortgage banking income

Mortgage loans held for sale are carried at the lower of aggregate cost or fair value based on the current fair value of each outstanding loan. Sales of loans are recorded when the proceeds are received, with any gain or loss recorded in mortgage banking income.

 

The Company sells its mortgage loans to third party investors with servicing released. Upon sale and delivery, loans are legally isolated from the Company and the Company has no ability to restrict or constrain the ability of third party investors to pledge or exchange the mortgage loans. The Company does not have the entitlement or ability to repurchase the mortgage loans or unilaterally cause third party investors to put the mortgage loans back to the Company.
Property, Plant and Equipment, Policy [Policy Text Block]

Premises and equipment

Land is carried at cost. Premises and equipment are recorded at cost less accumulated depreciation and amortization. Depreciation on buildings and equipment is computed over the estimated useful lives of the assets using the straight-line method. Leasehold improvements are amortized using the straight-line method over the term of the lease or the estimated useful lives of the asset, whichever is shorter.
Real Estate Owned, Valuation Allowance, Policy [Policy Text Block]

Other real estate owned

Real estate acquired through foreclosure or by deed in lieu of foreclosure is recorded at fair value less estimated costs to sell on the date acquired establishing a new cost basis. Losses          incurred at the time of acquisition of the property are charged to the allowance for loan losses. Subsequent reductions in the estimated value of the property are included with any gains or losses on sale in noninterest expense.
Bank Owned Life Insurance, Policy [Policy Text Block]

Bank owned life insurance

The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

 
Goodwill and Intangible Assets, Policy [Policy Text Block]

Goodwill and other intangible assets

Goodwill is calculated as the purchase premium, if any, after adjusting for the fair value of net assets acquired in purchase transactions. Goodwill is not amortized but is reviewed for potential impairment on at least an annual basis, with testing between annual evaluation if an event occurs or circumstances change that could potentially reduce the fair value of a reporting unit. Other intangible assets represent purchased assets that can be distinguished from goodwill because of contractual or other legal rights. The Company’s other intangible asset, core deposit intangible (“CDI”) has a finite life and is amortized over 10 years on a straight line basis, which is believed to be substantially the same as the interest method.

 
Revenue from Contract with Customer [Policy Text Block]

Revenue recognition

ASC Topic 606 does not apply to revenue associated with the financial instruments, including revenue from loans and securities. The Company’s services that fall within the scope of Topic 606 are presented within noninterest income and are recognized as revenue as the Company satisfies its obligation to the customer. A description of the Company’s noninterest revenue streams is discussed below:

 

Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for overdraft, monthly service fees, and other deposit account related fees. Overdraft fees are recognized when the overdraft occurs. The Company's performance obligation for monthly service fees is generally satisfied over the period in which the service is provided. Other deposit account related fees are largely transactional based, and therefore, the Company's performance obligation is satisfied, and related revenue recognized, at a point in time.                  

 

Interchange Income: The Company earns interchange fees from debit cardholder transactions conducted through various payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services. The Company's analysis of its relationship with its interchange debit card provider is agent based. As a result, income from debit cardholder transactions is presented net against expenses paid to the interchange debit card provider in service charges on deposit accounts on the consolidated statements of income.

 

Other Service Charges and Fees: The Company earns fees from its customers for transaction-based services. Services include, safe deposit box, debit/ATM card income, cashier's check, stop payment and wire transfer fees. In each case, these fees and service charges are recognized in income at the time or within the same period that the services are rendered.
Lessee, Leases [Policy Text Block]

Operating leases

The Company accounts for lease obligations in accordance with FASB Accounting Standards Update (“ASU”) 2016-02, “Leases (Topic 842).” Among other things, in the amendments in ASU 2016‑02, lessees are required to recognize the following for all leases (with the exception of qualifying short‑term leases) at the commencement date: (i) a lease liability, which is a lessee’s obligation to make lease payments arising from a lease, measured on a discounted basis; and (ii) a right‑of‑use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. The Company has determined it has no financing or sales type leases as of the balance sheet date.

 
Advertising Cost [Policy Text Block]

Advertising costs

Advertising costs are expensed in the period incurred and totaled $258,032 and $233,358 for the years ended December 31, 2022 and 2021, respectively.
Income Tax, Policy [Policy Text Block]

Income taxes

The provision for income taxes includes income taxes payable for the current year and deferred income taxes. Deferred tax assets and liabilities are determined based on the difference between the financial statement basis and tax basis of assets and liabilities using enacted tax rates in effect for the year in which the differences are expected to reverse.

 

A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.
Earnings Per Share, Policy [Policy Text Block]

Per share data

Earnings per share is determined by dividing net income by the weighted average number of shares of common stock outstanding, giving retroactive effect to any stock dividends. Weighted average shares were 3,046,377 and 3,018,112 for 2022 and 2021, respectively. Diluted earnings per share is derived by dividing net income available by the weighted-average number of shares outstanding, adjusted for the dilutive effect of outstanding common stock equivalents. No potentially dilutive stock equivalents were outstanding at December 31, 2022 or December 31, 2021.
New Accounting Pronouncements, Policy [Policy Text Block]

Recent accounting pronouncements

Management has the responsibility for the selection and use of appropriate accounting policies. The significant accounting policies used by the Company are described in the notes to the consolidated financial statements.

 

The following accounting guidance has been approved by the FASB and would apply to the Company if the Company entered into an applicable activity.

 

During June 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.”  The ASU, as amended, requires an entity to measure expected credit losses for financial assets carried at amortized cost based on historical experience, current conditions, and reasonable and supportable forecasts. Among other things, the ASU also amended the impairment model for available for sale securities and addressed purchased financial assets with deterioration.   The Company adopted ASU 2016-13 as of January 1, 2023 in accordance with the required implementation date and recorded the impact of adoption to retained earnings, net of deferred income taxes, as required by the standard. The adjustment recorded at adoption was not significant to the overall allowance for credit losses or shareholders’ equity as compared to December 31, 2022 and consisted of adjustments to the allowance for credit losses on loans and held-to-maturity securities, as well as an adjustment to the Company’s reserve for unfunded loan commitments. Subsequent to adoption, the Company will record adjustments to its allowance for credit losses and reserves for unfunded commitments through the provision for credit losses in the consolidated statements of income.

 

The Company is utilizing a third-party model to tabulate its estimate of current expected credit losses, using an average charge off or loss rate methodology. In accordance with ASC 326, the Company has segmented its loan portfolio based on similar risk characteristics which included call report categories as well as risk grade. The Company primarily utilizes historical loss rates for the CECL calculation based on Company-specific historical losses and supplemented with peer loss history where applicable.  For its reasonable and supportable forecasting of current expected credit losses, the Company analyzes a simple regression using forecasted economic metrics and historical peer loss data. To further adjust the allowance for credit losses for expected losses not already included within the quantitative component of the calculation, the Company may consider the following qualitative adjustment factors: economic conditions, concentrations of credit, interest rates, ability of staff, loan review, trends in loan quality, policy changes, and changes in nature and/or volume of loans. The Company’s CECL implementation process was overseen by the Chief Financial Officer and included an assessment of data availability and gap analysis, data collection, consideration and analysis of multiple loss estimation methodologies, an assessment of relevant qualitative factors and correlation analysis of multiple potential loss drivers and their impact on the Company’s historical loss experience.

 

 

In March 2022, FASB issued ASU 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.

 

In March 2020, FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848)”: 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 an alternative reference rate.

 

In December 2022, the FASB issued ASU 2022-06, “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848”. ASU 2022-06 extends the period of time preparers can utilize the reference rate reform relief guidance in Topic 848. The objective of the guidance in Topic 848 is to provide relief during the temporary transition period, so the FASB included a sunset provision within Topic 848 based on expectations of when the London Interbank Offered Rate (LIBOR) would cease being published. In 2021, the UK Financial Conduct Authority (FCA) delayed the intended cessation date of certain tenors of USD LIBOR to June 30, 2023. To ensure the relief in Topic 848 covers the period of time during which a significant number of modifications may take place, the ASU defers the sunset date of Topic 848 from December 31, 2022, to December 31, 2024, after which entities will no longer be permitted to apply the relief in Topic 848.

 

The ASU is effective for all entities upon issuance. The Company is assessing ASU 2022-06 and its impact on the Company’s transition away from LIBOR for its loan and other financial instruments. The Company continues to evaluate systems to assist in the transaction to a new rate.

 

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

 
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Note 3 - Investment Securities (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Marketable Securities [Table Text Block]
  

Amortized

  

Unrealized

  

Unrealized

  

Fair

 

December 31, 2022

 

cost

  

gains

  

losses

  

value

 
                 

Available for sale

                
                 

State and municipal

 $570,122  $-  $17,841  $552,281 

SBA pools

  1,033,606   1,425   15,234   1,019,797 

Corporate bonds

  10,414,146   -   1,024,250   9,389,896 

Mortgage-backed securities

  137,896,519   -   22,544,044   115,352,475 
  $149,914,393  $1,425  $23,601,369  $126,314,449 
                 

Held to maturity

                
                 

State and municipal

 $20,508,997  $4,176  $1,633,378  $18,879,795 
                 

December 31, 2021

                
                 

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

 

December 31, 2022

 

cost

  

value

  

cost

  

value

 
                 

Within one year

 $580,522  $564,841  $330,000  $330,175 

Over one to five years

  3,079,483   2,937,072   474,937   469,235 

Over five to ten years

  7,324,263   6,440,264   3,308,340   3,162,389 

Over ten years

  -   -   16,395,720   14,917,996 
   10,984,268   9,942,177   20,508,997   18,879,795 

Mortgage-backed securities and SBA pools, due in monthly installments

  138,930,125   116,372,272   -   - 
  $149,914,393  $126,314,449  $20,508,997  $18,879,795 
Schedule of Unrealized Loss on Investments [Table Text Block]

December 31, 2022

 

Less than 12 months

  

12 months or more

  

Total

 
      

Unrealized

      

Unrealized

      

Unrealized

 

Description of investments

 

Fair value

  

losses

  

Fair value

  

losses

  

Fair value

  

losses

 
                         

State and municipal

 $13,668,676  $1,057,412  $1,537,715  $593,807  $15,206,391  $1,651,219 

SBA pools

  -   -   857,259   15,234   857,259   15,234 

Corporate bonds

  4,184,875   356,746   4,805,021   667,504   8,989,896   1,024,250 

Mortgage-backed securities

  25,284,430   2,293,151   90,068,045   20,250,893   115,352,475   22,544,044 

Total

 $43,137,981  $3,707,309  $97,268,040  $21,527,438  $140,406,021  $25,234,747 

December 31, 2021

 

Less than 12 months

  

12 months or more

  

Total

 
      

Unrealized

      

Unrealized

      

Unrealized

 

Description of investments

 

Fair value

  

losses

  

Fair value

  

losses

  

Fair value

  

losses

 
                         

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 39 R27.htm IDEA: XBRL DOCUMENT v3.22.4
Note 4 - Related Party Transactions (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Schedule of Related Party Transactions [Table Text Block]
  

2022

  

2021

 
         

Balance, beginning of year

 $13,822,556  $14,558,882 

Additions

  3,274,719   2,489,000 

Amounts collected

  (4,869,554)  (3,225,326)

Balance, end of year

 $12,227,721  $13,822,556 
XML 40 R28.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
  

2022

  

2021

 
         

Real estate:

        

Commercial

 $351,794,702  $319,185,116 

Construction and land development

  23,978,373   28,221,854 

Residential

  114,683,149   107,436,033 

Commercial

  31,066,497   31,182,206 

Consumer

  156,422   355,958 
   521,679,143   486,381,167 

Less: Allowance for loan losses

  4,150,198   3,650,268 

Deferred origination fees net of costs

  608,405   719,565 
  $516,920,540  $482,011,334 
Financing Receivable, Nonaccrual [Table Text Block]
  

2022

  

2021

 
         

Real estate:

        

Commercial

 $502,961  $4,810,965 

Residential

  -   31,500 

Commercial

  152,449   152,449 

Total

 $655,410  $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

 

December 31, 2022

                            

Real estate:

                            

Commercial

 $-  $-  $502,961  $502,961  $351,291,741  $351,794,702  $- 

Construction and land development

  -   -   -   -   23,978,373   23,978,373   - 

Residential

  311,409   -   -   311,409   114,371,740   114,683,149   - 

Commercial

  -   -   152,449   152,449   30,914,048   31,066,497   - 

Consumer

  -   -   -   -   156,422   156,422   - 

Total

 $311,409  $-  $655,410  $966,819  $520,712,324  $521,679,143  $- 
                             

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

 

December 31, 2022

                            

Commercial real estate

 $7,019,415  $6,516,454  $502,961  $7,019,415  $129,461  $6,920,174  $223,476 

Residential real estate

  256,350   256,350   -   256,350   -   147,789   10,594 

Commercial

  152,449   -   152,449   152,449   152,449   152,449   - 
  $7,428,214  $6,772,804  $655,410  $7,428,214  $281,910  $7,220,412  $234,070 
                             

December 31, 2021

                            

Commercial real estate

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

Construction and land development

  -   -   -   -   -   -   - 

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

             

December 31, 2022

 

Excellent

  

average

  

Average

  

Acceptable

  

watch

  

mention

  

Substandard

  

Doubtful

  

Total

 
                                     

Real estate:

                                    

Commercial

 $-  $-  $65,908,980  $201,854,424  $70,826,837  $3,558,954  $9,645,507  $-  $351,794,702 

Construction and land development

  -   -   3,845,351   12,087,402   8,045,620   -   -   -   23,978,373 

Residential

  15,613   573,108   35,774,807   63,833,864   10,815,681   1,397,282   2,272,794   -   114,683,149 

Commercial

  178,916   -   4,347,337   16,039,145   9,773,961   574,689   152,449   -   31,066,497 

Consumer

  722   15,715   93,684   4,439   6,481   -   -   35,381   156,422 
  $195,251  $588,823  $109,970,159  $293,819,274  $99,468,580  $5,530,925  $12,070,750  $35,381  $521,679,143 
      

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

              

balance evaluated for impairment:

  

evaluated for impairment:

 
  

Beginning

  

for loan

  

Charge

      

Ending

  

Purchase Credit

  

Purchase Credit

 

December 31, 2022

 

balance

  

losses

  

offs

  

Recoveries

  

balance

  

Individually

  

Impaired

  

Collectively

  

Individually

  

Impaired

  

Collectively

 
                                             

Real estate:

                                            

Commercial

 $2,482,930  $343,424  $(7,772) $-  $2,818,582  $129,461  $-  $2,689,121  $7,019,415  $-  $344,775,287 

Construction and land development

  214,547   (66,151)  -   16,200   164,596   -   -   164,596   -   369,622   23,608,751 

Residential

  603,558   171,391   -   18,970   793,919   -   -   793,919   256,350   209,583   114,217,216 

Commercial

  255,413   84,358   (2,468)  -   337,303   152,449   -   184,854   152,449   -   30,914,048 

Consumer

  4,370   336   -   -   4,706   -   -   4,706   -   -   156,422 

Unallocated

  89,450   (58,358)  -   -   31,092   -   -   31,092   -   -   - 
  $3,650,268  $475,000  $(10,240) $35,170  $4,150,198  $281,910  $-  $3,868,288  $7,428,214  $579,205  $513,671,724 
                      

Allowance for loan losses ending

  

Outstanding loan balances

 
      

Provision

              

balance evaluated for impairment:

  

evaluated for impairment:

 
  

Beginning

  

for loan

  

Charge

      

Ending

  

Purchase Credit

  

Purchase Credit

 

December 31, 2021

 

balance

  

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]

Balance at December 31, 2021

 $1,629,242 

Transfer to accretable

  - 

Accretion

  (698,269)

Balance at December 31, 2022

 $930,973 
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Note 6 - Premises and Equipment (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Property, Plant and Equipment [Table Text Block]
  

Useful lives

  

2022

  

2021

 
             

Land and improvements

  -  $2,602,998  $2,602,998 

Buildings and improvements

 

15-39 years

   6,171,003   6,302,622 

Furniture and equipment

 

3-10 years

   5,162,976   4,752,133 
       13,936,977   13,657,753 

Accumulated depreciation and amortization

      7,750,383   7,398,332 
      $6,186,594  $6,259,421 
             

Depreciation and amortization expense

     $445,939  $434,434 
XML 42 R30.htm IDEA: XBRL DOCUMENT v3.22.4
Note 7 - Goodwill and Other Intangibles (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Schedule of Intangible Assets and Goodwill [Table Text Block]
  

Goodwill

  

CDI

  

Total

 
             
             

Balance at December 31, 2020

 $6,978,208  $81,200  $7,059,408 

Amortization

  -   (8,328)  (8,328)

Balance at December 31, 2021

  6,978,208   72,872   7,051,080 

Amortization

  -   (8,328)  (8,328)

Balance at December 31, 2022

 $6,978,208  $64,544  $7,042,752 
XML 43 R31.htm IDEA: XBRL DOCUMENT v3.22.4
Note 8 - Commitments and Contingencies (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Schedule of Components of Lease Assets and Liabilities [Table Text Block]
 

Consolidated Balance

        
 

Sheet classification

 

December 31, 2022

  

December 31, 2021

 

Operating lease right of use asset

Other assets

 $943,933  $1,093,382 

Operating lease liabilities

Other liabilities

  1,166,476   1,311,570 
Lessee, Operating Lease, Liability, Maturity [Table Text Block]

Year

 

Amount

 
     

2023

 $188,734 

2024

  194,252 

2025

  199,944 

2026

  205,816 

2027

  211,874 

Thereafter

  282,496 

Total lease payments

  1,283,116 

Less imputed interest

  (116,640)

Present value of operating lease liabilities

 $1,166,476 
Schedule of Credit Commitments [Table Text Block]
  

2022

  

2021

 
         

Loan commitments

        

Construction and land development

 $911,500  $6,810,353 

Commercial

  398,046   630,000 

Commercial real estate

  9,264,000   23,552,400 

Residential

  3,402,371   3,804,617 
  $13,975,917  $34,797,370 
         

Unused lines of credit

        

Home-equity lines

 $12,086,758  $12,707,519 

Commercial lines

  25,464,025   28,828,911 
  $37,550,783  $41,536,430 
         

Letters of credit

 $1,403,956  $1,470,742 
XML 44 R32.htm IDEA: XBRL DOCUMENT v3.22.4
Note 10 - Interest-bearing Deposits (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Deposit Liabilities, Type [Table Text Block]
  

2022

  

2021

 
         

NOW

 $135,716,736  $130,486,845 

Money market

  99,173,640   90,994,339 

Savings

  103,308,454   99,959,988 

Certificates of deposit, greater than $250,000

  37,976,238   34,697,273 

Other time deposits

  120,740,707   146,100,610 
  $496,915,775  $502,239,055 
Time Deposit Maturities [Table Text Block]

Year

 

Amount

 
     

2023

 $110,590,325 

2024

  39,187,383 

2025

  4,711,082 

2026

  2,570,470 

2027

  1,657,685 
  $158,716,945 
XML 45 R33.htm IDEA: XBRL DOCUMENT v3.22.4
Note 11 - Borrowed Funds (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Schedule of Debt [Table Text Block]
      

2022

  

2021

 
             

Amounts outstanding at year-end:

            

Securities sold under repurchase agreements

     $5,175,303  $5,414,026 
             

Federal Home Loan Bank advances:

            

Maturity date

 

Interest Rate

  

Amount

 

3/30/2025 - fixed rate

  1.00%   5,000,000   5,000,000 

11/20/2023 - daily rate

  4.57%   15,000,000   - 
             
  

Total

  $20,000,000  $5,000,000 

Long-term debt (net of issuance costs):

            

Maturity date

 

Interest Rate

  

Amount

 

9/30/2025

  4.10%   15,095,642   16,978,905 

Weighted average rate paid at December 31:

            

Securities sold under repurchase agreements

      0.30%  0.31%

Federal Home Loan Bank advances

      3.68%  1.00%

Long-term debt

      4.10%  4.10%
             

Average rate paid during the year ended December 31:

         

Securities sold under repurchase agreements

      0.30%  0.43%

Federal Home Loan Bank advances

      1.55%  1.01%

Long-term debt

      4.10%  4.10%
             

Investment securities underlying the repurchase agreements at December 31:

     

Carrying value

     $11,389,983  $7,062,928 
             

Loans pledged to the Federal Home Loan Bank at December 31:

         

Carrying value - loans

     $458,863,387  $111,547,027 
             

Loans pledged to the Federal Reserve Bank at December 31:

         

Carrying value

     $62,720,368  $55,399,031 
XML 46 R34.htm IDEA: XBRL DOCUMENT v3.22.4
Note 12 - Income Taxes (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]
  

2022

  

2021

 

Current

        

Federal

 $1,852,205  $1,798,535 

State

  883,493   794,348 
   2,735,698   2,592,883 

Deferred

  (250,672)  (160,070)
  $2,485,026  $2,432,813 
Schedule of Components of Deferred Tax Expense Benefit [Table Text Block]
  

2022

  

2021

 

Depreciation

 $15,108  $8,291 

Insurance proceeds for storm damage

  185,326  $- 

Provision for loan losses

  (160,332)  (141,488)

Other real estate owned allowance for loss

  -   (46,561)

Nonaccrual interest

  (29,429)  (83,961)

Prepaid captive insurance premium

  (357,518)  (14,375)

Write-down of equity securities

  (11,583)  (4,227)

Lease liability, net of right of use asset

  (1,198)  (4,693)

Purchase accounting adjustments

  153,455   175,037 

Post-retirement benefits

  (44,501)  (48,093)
  $(250,672) $(160,070)
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]
  

2022

  

2021

 

Deferred tax assets

        

Allowance for loan losses

 $1,111,679  $951,348 

Other real estate owned allowance for loss

  434,628   434,628 

Capital loss carryover

  -   5,300 

Nonaccrual interest

  118,010   88,581 

Post-retirement benefits

  695,983   651,482 

Purchase accounting adjustments

  81,687   235,142 

Unrealized loss on securities available for sale

  6,433,263   468,726 

Lease liability, net of right of use asset

  61,238   60,040 

Other

  21,079   - 
   8,957,567   2,895,247 

Deferred tax liabilities

        

Prepaid captive insurance premium

  -   357,518 

Depreciation

  364,008   348,900 

Insurance proceeds from storm damage

  185,326   - 

Other

  15,575   11,379 
   564,909   717,797 

Net deferred tax asset

 $8,392,658  $2,177,450 
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]
  

2022

  

2021

 

Statutory federal income tax rate

  21.0

%

  21.0

%

Increase (decrease) resulting from:

        

Federal tax-exempt income

  (3.6)  (4.4)

State income taxes, net of federal income tax benefit

  5.8   5.8 

Other

  0.3   0.6 
   23.5

%

  23.0

%
XML 47 R35.htm IDEA: XBRL DOCUMENT v3.22.4
Note 13 - Capital Standards (Tables)
 12 Months Ended
Dec. 31, 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

 

December 31, 2022

 

Amount

  

Ratio

  

Amount

  

Ratio

  

Amount

  

Ratio

 
                         

Total capital (to risk-weighted assets)

 $75,826   12.96% $61,410   10.50% $58,486   10.00%

Tier 1 capital (to risk-weighted assets)

  71,676   12.26%  49,713   8.50%  46,789   8.00%

Common equity tier 1 (to risk- weighted assets)

  71,676   12.26%  40,940   7.00%  38,016   6.50%

Tier 1 leverage (to average assets)

  71,676   9.83%  29,167   4.00%  36,459   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 48 R36.htm IDEA: XBRL DOCUMENT v3.22.4
Note 14 - Fair Value (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]
  

Carrying Value:

 
  

Level 1

  

Level 2

  

Level 3

  

Total

 

December 31, 2022

                

Recurring:

                

Available for sale securities

                

State and municipal

 $-  $552,281  $-  $552,281 

SBA pools

  -   1,019,797   -   1,019,797 

Corporate bonds

  -   8,989,896   400,000   9,389,896 

Mortgage-backed securities

  -   115,352,475   -   115,352,475 
  $-  $125,914,449  $400,000  $126,314,449 
                 

Equity security at fair value

 $489,145  $-  $-  $489,145 

Nonrecurring:

                

Other real estate owned, net

 $-  $-  $1,242,365  $1,242,365 

Impaired loans

  -   -   373,500   373,500 
                 

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

 $543,605  $-  $-  $543,605 

Nonrecurring:

                

Other real estate owned, net

 $-  $-  $1,242,365  $1,242,365 

Impaired loans

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

December 31, 2022 and 2021

       
           

Description of Asset

 

Fair Value

 

Valuation technique

Unobservable Inputs

 

Range (Average)

 
           

Loans with Impairment

 $373,500 

Third party appraisals and in-house real estate valuations of fair value

Marketability/selling costs and current market conditions

  0%to20%(10%)
           

Other real estate loans

 $1,242,365 

Third party appraisals and in-house real estate valuations of fair value

Marketability/selling costs and current market conditions

  0%to10%(5%)
Fair Value, Assets Measured on Non-recurring Basis, Unobservable Input Reconciliation [Table Text Block]

Reconciliation of Level 3 Inputs

 
     
  

Corporate

 
  

Bonds

 
     

December 31, 2021 fair value

 $650,000 

Additions

  - 

Principal payments received

  - 

Transfer to level 2

  (250,000)

December 31, 2022 fair value

 $400,000 
Fair Value, by Balance Sheet Grouping [Table Text Block]
  

December 31, 2022

  

December 31, 2021

 
  

Carrying

  

Estimated

  

Carrying

  

Estimated

 
  

Amount

  

Fair Value

  

Amount

  

Fair Value

 

Financial assets

                

Level 1 inputs

                

Cash and cash equivalents

 $7,263,537  $7,263,537  $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

  1,815,784   1,815,784   1,609,063   1,609,063 

Securities held to maturity

  17,537,377   15,908,175   18,778,935   19,732,561 

Mortgage loans held for sale

  428,355   434,271   126,500   128,829 

Restricted stock, at cost

  1,332,500   1,332,500   675,400   675,400 

Bank owned life insurance

  14,585,342   14,585,342   11,556,163   11,556,163 

Level 3 inputs

                

Securities held to maturity (1)

  2,971,620   2,971,620   3,073,040   3,073,040 

Loans, net

  516,920,540   503,144,771   482,011,334   487,012,970 
                 

Financial liabilities

                

Level 1 inputs

                

Noninterest-bearing deposits

 $126,695,349  $126,695,349  $124,175,615  $124,175,615 

Securities sold under repurchase agreements

  5,175,303   5,175,303   5,414,026   5,414,026 

Level 2 inputs

                

Interest-bearing deposits

  496,915,775   492,769,775   502,239,055   502,396,172 

Federal Home Loan Bank advances

  20,000,000   19,622,000   5,000,000   4,967,000 

Long-term debt

  15,095,642   14,241,237   16,978,905   17,298,111 

Accrued interest payable

  349,910   349,910   295,910   295,910 
XML 49 R37.htm IDEA: XBRL DOCUMENT v3.22.4
Note 15 - Parent Company Financial Information (Tables)
 12 Months Ended
Dec. 31, 2022
Notes Tables  
Condensed Balance Sheet [Table Text Block]

Balance Sheets

 
         

December 31,

 

2022

  

2021

 
         

Assets

 
         

Cash and cash equivalents

 $806,384  $930,354 

Investment in subsidiaries

  62,064,533   72,662,265 

Other assets

  158,127   185,866 
  $63,029,044  $73,778,485 
         

Liabilities and Stockholders' Equity

 
         

Long-term debt

 $15,095,642  $16,978,905 

Accrued interest payable

  158,439   178,122 
   15,254,081   17,157,027 

Stockholders' equity

        

Common stock, par value $.01 per share, authorized 5,000,000 shares; issued and outstanding 3,071,214 in 2022 and 3,037,137 shares in 2021

  30,712   30,372 

Additional paid-in capital

  29,549,914   28,857,422 

Retained earnings

  35,300,166   29,128,600 

Accumulated other comprehensive income

  (17,105,829)  (1,394,936)
   47,774,963   56,621,458 
  $63,029,044  $73,778,485 
Condensed Income Statement [Table Text Block]

Statements of Income

 
         

Years Ended December 31,

 

2022

  

2021

 
         

Income

        

Cash dividends from subsidiaries

 $3,574,000  $2,595,000 

Total income

  3,574,000   2,595,000 
         

Interest expense - long-term debt

  (664,621)  (712,306)

Noninterest expense

  (90,969)  (537)
         

Income before income taxes and equity in (distributed) undistributed income of subsidiaries

  2,818,410   1,882,157 

Income taxes (benefit)

  (158,556)  (149,486)

Income before equity in (distributed) undistributed income of subsidiaries

  2,976,966   2,031,643 

Dividends in excess of income of insurance subsidiary

  (247,472)  (100,019)

Equity in undistributed income of bank subsidiary

  5,360,633   6,217,982 

Net Income

 $8,090,127  $8,149,606 
Condensed Cash Flow Statement [Table Text Block]

Statements of Cash Flows

        
         

Years Ended December 31,

 

2022

  

2021

 
         

Cash flows from operating activities

        

Net Income

 $8,090,127  $8,149,606 

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

        

Equity in undistributed income of bank subsidiary

  (5,360,633)  (6,217,982)

Decrease in accrued interest payable

  (19,683)  (1,935)

Amortization of debt issuance costs

  5,625   5,625 

Change in income tax receivable

  27,739   (149,486)

Dividend received in excess of income of insurance subsidiary

  247,472   100,019 

Cash provided by operating activities

  2,990,647   1,885,847 
         

Cash flows from investing activities

        

Cash used by investing activities

  -   - 
         

Cash flows from financing activities

        

Long-term debt

  (1,888,888)  - 

Dividends paid, net of reinvestments

  (1,225,729)  (1,156,418)

Cash used in financing activities

  (3,114,617)  (1,156,418)
         

Net (decrease) increase in cash and cash equivalents

  (123,970)  729,429 
         

Cash and cash equivalents at beginning of period

  930,354   200,925 

Cash and cash equivalents at end of period

 $806,384  $930,354 
XML 50 R38.htm IDEA: XBRL DOCUMENT v3.22.4
Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Advertising Expense $ 258,032 $ 233,358
Weighted Average Number of Shares Outstanding, Basic, Total (in shares) 3,046,377 3,018,112
Weighted Average Number of Shares Outstanding, Diluted, Adjustment, Total (in shares) 0 0
First Community Bankers Insurance Co., LLC [Member]    
Percentage of Ownership 100.00%  
XML 51 R39.htm IDEA: XBRL DOCUMENT v3.22.4
Note 2 - Cash and Cash Equivalents (Details Textual) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Cash, Uninsured Amount $ 11,945,635 $ 7,549,531
XML 52 R40.htm IDEA: XBRL DOCUMENT v3.22.4
Note 3 - Investment Securities (Details Textual) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale $ 19,994,811 $ 31,327,354
Debt Securities, Available-for-Sale, Realized Gain (Loss), Total 0 9,190
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 $ 24,258,980 $ 14,307,989
XML 53 R41.htm IDEA: XBRL DOCUMENT v3.22.4
Note 3 - Investment Securities - Investments in Debt Securities (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Amortized cost, available for sale $ 149,914,393   $ 151,162,429
Unrealized gains, available for sale 1,425 $ 412,772  
Unrealized losses, available for sale 23,601,369 2,337,285  
Fair value, available for sale 126,314,449 149,237,916  
Amortized cost, held to maturity 20,508,997 21,851,975  
Fair value, held to maturity 18,879,795    
US States and Political Subdivisions Debt Securities [Member]      
Amortized cost, available for sale 570,122   753,061
Unrealized gains, available for sale 0 10,437  
Unrealized losses, available for sale 17,841 0  
Fair value, available for sale 552,281 763,498  
Amortized cost, held to maturity 20,508,997   21,851,975
Unrealized gains, held to maturity 4,176 1,020,877  
Unrealized losses, held to maturity 1,633,378 67,251  
Fair value, held to maturity 18,879,795 22,805,601  
SBA Pools [Member]      
Amortized cost, available for sale 1,033,606   1,418,770
Unrealized gains, available for sale 1,425 1,656  
Unrealized losses, available for sale 15,234 22,664  
Fair value, available for sale 1,019,797 1,397,762  
Corporate Debt Securities [Member]      
Amortized cost, available for sale 10,414,146   9,225,153
Unrealized gains, available for sale 0 64,595  
Unrealized losses, available for sale 1,024,250 55,541  
Fair value, available for sale 9,389,896 9,234,207  
Collateralized Mortgage-Backed Securities [Member]      
Amortized cost, available for sale 137,896,519   $ 139,765,445
Unrealized gains, available for sale 0 336,084  
Unrealized losses, available for sale 22,544,044 2,259,080  
Fair value, available for sale $ 115,352,475 $ 137,842,449  
XML 54 R42.htm IDEA: XBRL DOCUMENT v3.22.4
Note 3 - Investment Securities - Contractual Maturities (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Available for Sale Amortized cost, Within one year $ 580,522    
Available for Sale Fair value, Within one year 564,841    
Held to Maturity Amortized cost, Within one year 330,000    
Held to Maturity Fair value, Within one year 330,175    
Available for Sale Amortized cost, Over one to five years 3,079,483    
Available for Sale Fair value, Over one to five years 2,937,072    
Held to Maturity Amortized cost, Over one to five years 474,937    
Held to Maturity Fair value, Over one to five years 469,235    
Available for Sale Amortized cost, Fair value, Over one to five years 7,324,263    
Available for Sale Fair value, Over five to ten years 6,440,264    
Held to Maturity Amortized cost, Over five to ten years 3,308,340    
Held to Maturity Fair value, Over five to ten years 3,162,389    
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 16,395,720    
Held to Maturity Fair value, Over ten years 14,917,996    
Available for Sale Amortized cost, total maturity 10,984,268    
Available for Sale Fair value, total maturity 9,942,177    
Held to Maturity Amortized cost, total maturity 20,508,997    
Held to Maturity Fair value, total maturity 18,879,795    
Available for Sale Amortized cost, due in monthly installments 138,930,125    
Available for Sale Fair value, due in monthly installments 116,372,272    
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 149,914,393   $ 151,162,429
Available for Sale Fair value Total 126,314,449 $ 149,237,916  
Held to Maturity Amortized cost Total 20,508,997 $ 21,851,975  
Held to Maturity Fair value Total $ 18,879,795    
XML 55 R43.htm IDEA: XBRL DOCUMENT v3.22.4
Note 3 - Investment Securities - Gross Unrealized Losses on Continuous Basis for Investment Securities (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Less than 12 months Fair value $ 43,137,981 $ 124,609,499
Less than 12 months Unrealized losses 3,707,309 2,126,119
12 months or more Fair value 97,268,040 6,630,634
12 months or more Unrealized losses 21,527,438 278,417
Total Fair value 140,406,021 131,240,133
Total Unrealized losses 25,234,747 2,404,536
US States and Political Subdivisions Debt Securities [Member]    
Less than 12 months Fair value 13,668,676 1,324,648
Less than 12 months Unrealized losses 1,057,412 35,720
12 months or more Fair value 1,537,715 715,650
12 months or more Unrealized losses 593,807 31,531
Total Fair value 15,206,391 2,040,298
Total Unrealized losses 1,651,219 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 857,259 1,133,398
12 months or more Unrealized losses 15,234 22,664
Total Fair value 857,259 1,133,398
Total Unrealized losses 15,234 22,664
Corporate Debt Securities [Member]    
Less than 12 months Fair value 4,184,875 5,443,886
Less than 12 months Unrealized losses 356,746 55,541
12 months or more Fair value 4,805,021 0
12 months or more Unrealized losses 667,504 0
Total Fair value 8,989,896 5,443,886
Total Unrealized losses 1,024,250 55,541
Collateralized Mortgage-Backed Securities [Member]    
Less than 12 months Fair value 25,284,430 117,840,965
Less than 12 months Unrealized losses 2,293,151 2,034,858
12 months or more Fair value 90,068,045 4,781,586
12 months or more Unrealized losses 20,250,893 224,222
Total Fair value 115,352,475 122,622,551
Total Unrealized losses $ 22,544,044 $ 2,259,080
XML 56 R44.htm IDEA: XBRL DOCUMENT v3.22.4
Note 4 - Related Party Transactions (Details Textual) - USD ($)
 12 Months Ended
Mar. 31, 2021
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Loans and Leases Receivable, Related Parties, Ending Balance   $ 12,227,721 $ 13,822,556 $ 14,558,882
Related Party Deposit Liabilities   10,138,362 27,187,933  
Payments to Fund Long-Term Loans to Related Parties   54,624 40,754  
The Company Related to Director [Member]        
Loans and Leases Receivable, Related Parties, Ending Balance $ 1,096,000      
The Company Related to Director [Member] | Sale Of Real Property To Related Party [Member]        
Related Party Transaction, Amounts of Transaction $ 1,359,613      
Unused lines of Credit [Member]        
Loans and Leases Receivable, Related Parties, Ending Balance   208,100 143,000  
Letter of Credit [Member]        
Loans and Leases Receivable, Related Parties, Ending Balance   $ 15,847 $ 0  
XML 57 R45.htm IDEA: XBRL DOCUMENT v3.22.4
Note 4 - Related Party Transactions - Related Party Loan Activity (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Balance, beginning of year $ 13,822,556 $ 14,558,882
Additions 3,274,719 2,489,000
Amounts collected (4,869,554) (3,225,326)
Balance, end of year $ 12,227,721 $ 13,822,556
XML 58 R46.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans (Details Textual)
 12 Months Ended
Dec. 31, 2022
USD ($)
Dec. 31, 2021
USD ($)
Loans and Leases Receivable, Gross $ 521,679,143 $ 486,381,167
Financing Receivable, Nonaccrual 655,410 4,994,914
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans 45,856 219,734
Impaired Financing Receivable, Related Allowance $ 281,910 $ 281,910
Financing Receivable, Modifications, Number of Contracts 0 0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts   0
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion $ 698,269 $ 1,081,403
Certain Loans Acquired in Transfer, Nonaccretable Difference 233,411  
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference 0 233,176
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield 930,973 1,629,242
Certain Loans Acquired in Transfer, Accretable Yield 878,756  
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Amortization 526,377 718,875
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Outstanding Balance 86,649,656  
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net 86,364,028  
Participating Mortgage Loans, Participation Liabilities, Amount 13,500,000 22,100,000
Federal Home Loan Bank of Atlanta [Member] | Asset Pledged as Collateral [Member] | Federal Home Loan Bank Advances [Member]    
Loans and Leases Receivable, Gross 458,900,000  
Federal Home Loan Bank of Richmond [Member] | Asset Pledged as Collateral [Member] | Federal Home Loan Bank Advances [Member]    
Loans and Leases Receivable, Gross 62,700,000  
Financial Asset Acquired with Credit Deterioration [Member]    
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield 0 140,608
Nonaccrual Loans [Member]    
Impaired Financing Receivable, Related Allowance 281,910 281,910
Allowance for Loan and Lease Losses Write-offs, Net, Total   27,146
Commercial Portfolio Segment [Member]    
Loans and Leases Receivable, Gross 31,066,497 $ 31,182,206
Financing Receivable, Number of Loans, Nonaccrual Status   1
Financing Receivable, Nonaccrual 152,449 $ 152,449
Impaired Financing Receivable, Related Allowance 152,449 152,449
Commercial Real Estate Portfolio Segment [Member]    
Loans and Leases Receivable, Gross $ 351,794,702 $ 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 $ 129,461
Number of Loans Classified as TDR 2 1
Financing Receivable, Troubled Debt Restructuring $ 6,516,454 $ 2,009,967
Financing Receivable, Troubled Debt Restructuring, Subsequent Default $ 4,542,896  
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts 1  
Residential Portfolio Segment [Member]    
Loans and Leases Receivable, Gross $ 114,683,149 $ 107,436,033
Financing Receivable, Number of Loans, Nonaccrual Status 1 1
Financing Receivable, Nonaccrual $ 0 $ 31,500
Impaired Financing Receivable, Related Allowance $ 0 $ 0
Number of Loans Classified as TDR 2 1
Financing Receivable, Troubled Debt Restructuring $ 256,350 $ 39,228
Financing Receivable, Troubled Debt Restructuring, Subsequent Default $ 222,767  
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts 1  
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 $ 0 $ 22,000,000
XML 59 R47.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans - Major Categories of Loans (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Loans $ 521,679,143 $ 486,381,167
Allowance for loan losses 4,150,198 3,650,268
Deferred origination fees net of costs 608,405 719,565
Loans and Leases Receivable, Net Amount 516,920,540 482,011,334
Commercial Real Estate Portfolio Segment [Member]    
Loans 351,794,702 319,185,116
Construction and Land Development [Member]    
Loans 23,978,373 28,221,854
Residential Portfolio Segment [Member]    
Loans 114,683,149 107,436,033
Commercial Portfolio Segment [Member]    
Loans 31,066,497 31,182,206
Consumer Portfolio Segment [Member]    
Loans $ 156,422 $ 355,958
XML 60 R48.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans - Non-accrual Loans (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Nonaccrual loans $ 655,410 $ 4,994,914
Commercial Real Estate Portfolio Segment [Member]    
Nonaccrual loans 502,961 4,810,965
Residential Portfolio Segment [Member]    
Nonaccrual loans 0 31,500
Commercial Portfolio Segment [Member]    
Nonaccrual loans $ 152,449 $ 152,449
XML 61 R49.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans - Past Due Loans (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Loans $ 521,679,143 $ 486,381,167
Loans, 90 days past due and still accruing 0 480,902
Financial Asset, 30 to 59 Days Past Due [Member]    
Loans 311,409 0
Financial Asset, 60 to 89 Days Past Due [Member]    
Loans 0 0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Loans 655,410 1,167,812
Financial Asset, Past Due [Member]    
Loans 966,819 1,167,812
Financial Asset, Not Past Due [Member]    
Loans 520,712,324 485,213,355
Commercial Real Estate Portfolio Segment [Member]    
Loans 351,794,702 319,185,116
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 0 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 502,961 502,961
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Loans 351,291,741 318,682,155
Construction and Land Development [Member]    
Loans 23,978,373 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 23,978,373 28,221,854
Residential Portfolio Segment [Member]    
Loans 114,683,149 107,436,033
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 311,409 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 0 249,161
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Loans 311,409 249,161
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Loans 114,371,740 107,186,872
Commercial Portfolio Segment [Member]    
Loans 31,066,497 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 30,914,048 30,766,516
Consumer Portfolio Segment [Member]    
Loans 156,422 355,958
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 $ 156,422 $ 355,958
XML 62 R50.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans - Impaired Loans (Details) - USD ($)
 12 Months Ended 24 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2021
Unpaid Contractual Principal Balance $ 7,428,214 $ 7,012,609 $ 7,012,609
Recorded Investment With No Allowance 6,772,804 6,357,199 6,357,199
Recorded Investment With Allowance 655,410 655,410 655,410
Total Recorded Investment 7,428,214 7,012,609 7,012,609
Related Allowance 281,910 281,910 281,910
Average Recorded Investment 7,220,412   6,858,745
Interest Recognized 234,070   195,756
Commercial Real Estate Portfolio Segment [Member]      
Unpaid Contractual Principal Balance 7,019,415 6,820,932 6,820,932
Recorded Investment With No Allowance 6,516,454 6,317,971 6,317,971
Recorded Investment With Allowance 502,961 502,961 502,961
Total Recorded Investment 7,019,415 6,820,932 6,820,932
Related Allowance 129,461 129,461 129,461
Average Recorded Investment 6,920,174   6,740,539
Interest Recognized 223,476   125,079
Residential Portfolio Segment [Member]      
Unpaid Contractual Principal Balance 256,350 39,228 39,228
Recorded Investment With No Allowance 256,350 39,228 39,228
Recorded Investment With Allowance 0 0 0
Total Recorded Investment 256,350 39,228 39,228
Related Allowance 0 0 0
Average Recorded Investment 147,789   41,981
Interest Recognized 10,594   1,672
Commercial Portfolio Segment [Member]      
Unpaid Contractual Principal Balance 152,449 152,449 152,449
Recorded Investment With No Allowance 0 0 0
Recorded Investment With Allowance 152,449 152,449 152,449
Total Recorded Investment 152,449 152,449 152,449
Related Allowance 152,449 152,449 152,449
Average Recorded Investment 152,449 76,225  
Interest Recognized $ 0 69,005  
Construction and Land Development [Member]      
Unpaid Contractual Principal Balance   0 0
Recorded Investment With No Allowance   0 0
Recorded Investment With Allowance   0 0
Total Recorded Investment   0 0
Related Allowance   0 $ 0
Average Recorded Investment   0  
Interest Recognized   $ 0  
XML 63 R51.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans - Loans by Credit Grade (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Loans $ 521,679,143 $ 486,381,167
Excellent [Member]    
Loans 195,251 9,821,535
Above Average [Member]    
Loans 588,823 2,101,931
Average [Member]    
Loans 109,970,159 129,577,624
Acceptable [Member]    
Loans 293,819,274 219,509,802
Pass [Member]    
Loans 99,468,580 104,951,530
Special Mention [Member]    
Loans 5,530,925 5,288,153
Substandard [Member]    
Loans 12,070,750 15,109,965
Doubtful [Member]    
Loans 35,381 20,627
Commercial Real Estate Portfolio Segment [Member]    
Loans 351,794,702 319,185,116
Commercial Real Estate Portfolio Segment [Member] | Excellent [Member]    
Loans 0 0
Commercial Real Estate Portfolio Segment [Member] | Above Average [Member]    
Loans 0 1,225,732
Commercial Real Estate Portfolio Segment [Member] | Average [Member]    
Loans 65,908,980 73,924,748
Commercial Real Estate Portfolio Segment [Member] | Acceptable [Member]    
Loans 201,854,424 146,174,439
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]    
Loans 70,826,837 82,018,890
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]    
Loans 3,558,954 3,345,788
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]    
Loans 9,645,507 12,495,519
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]    
Loans 0 0
Construction and Land Development [Member]    
Loans 23,978,373 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 3,845,351 3,853,775
Construction and Land Development [Member] | Acceptable [Member]    
Loans 12,087,402 12,452,257
Construction and Land Development [Member] | Pass [Member]    
Loans 8,045,620 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 114,683,149 107,436,033
Residential Portfolio Segment [Member] | Excellent [Member]    
Loans 15,613 41,152
Residential Portfolio Segment [Member] | Above Average [Member]    
Loans 573,108 708,162
Residential Portfolio Segment [Member] | Average [Member]    
Loans 35,774,807 46,358,477
Residential Portfolio Segment [Member] | Acceptable [Member]    
Loans 63,833,864 48,295,430
Residential Portfolio Segment [Member] | Pass [Member]    
Loans 10,815,681 9,570,815
Residential Portfolio Segment [Member] | Special Mention [Member]    
Loans 1,397,282 0
Residential Portfolio Segment [Member] | Substandard [Member]    
Loans 2,272,794 2,461,997
Residential Portfolio Segment [Member] | Doubtful [Member]    
Loans 0 0
Commercial Portfolio Segment [Member]    
Loans 31,066,497 31,182,206
Commercial Portfolio Segment [Member] | Excellent [Member]    
Loans 178,916 9,774,570
Commercial Portfolio Segment [Member] | Above Average [Member]    
Loans 0 0
Commercial Portfolio Segment [Member] | Average [Member]    
Loans 4,347,337 5,292,721
Commercial Portfolio Segment [Member] | Acceptable [Member]    
Loans 16,039,145 12,585,396
Commercial Portfolio Segment [Member] | Pass [Member]    
Loans 9,773,961 3,377,070
Commercial Portfolio Segment [Member] | Special Mention [Member]    
Loans 574,689 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 156,422 355,958
Consumer Portfolio Segment [Member] | Excellent [Member]    
Loans 722 5,813
Consumer Portfolio Segment [Member] | Above Average [Member]    
Loans 15,715 168,037
Consumer Portfolio Segment [Member] | Average [Member]    
Loans 93,684 147,903
Consumer Portfolio Segment [Member] | Acceptable [Member]    
Loans 4,439 2,280
Consumer Portfolio Segment [Member] | Pass [Member]    
Loans 6,481 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 $ 35,381 $ 20,627
XML 64 R52.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans - Allowance for Loan Losses (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Allowance for loan losses $ 3,650,268 $ 3,296,538
Provision for loan losses 475,000 330,000
Charge offs (10,240) (18,970)
Recoveries 35,170 42,700
Allowance for loan losses 4,150,198 3,650,268
Allowance for loan losses ending balance evaluated for impairment individually 281,910 281,910
Allowance for loan losses ending balance evaluated for impairment collectively 3,868,288 3,368,358
Outstanding loan balances evaluated for impairment individually 7,428,214 7,012,609
Outstanding loan balances evaluated for impairment purchase credit impaired 516,920,540 482,011,334
Outstanding loan balances evaluated for impairment collectively 513,671,724 478,359,916
Financial Asset Acquired with Credit Deterioration [Member]    
Allowance for loan losses 0  
Allowance for loan losses 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 579,205 1,008,642
Commercial Real Estate Portfolio Segment [Member]    
Allowance for loan losses 2,482,930 2,230,129
Provision for loan losses 343,424 241,301
Charge offs (7,772) 0
Recoveries 0 11,500
Allowance for loan losses 2,818,582 2,482,930
Allowance for loan losses ending balance evaluated for impairment individually 129,461 129,461
Allowance for loan losses ending balance evaluated for impairment collectively 2,689,121 2,353,469
Outstanding loan balances evaluated for impairment individually 7,019,415 6,820,932
Outstanding loan balances evaluated for impairment collectively 344,775,287 312,307,359
Commercial Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Allowance for loan losses 0  
Allowance for loan losses 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 0 56,825
Construction and Land Development [Member]    
Allowance for loan losses 214,547 201,692
Provision for loan losses (66,151) (3,345)
Charge offs 0 0
Recoveries 16,200 16,200
Allowance for loan losses 164,596 214,547
Allowance for loan losses ending balance evaluated for impairment individually 0 0
Allowance for loan losses ending balance evaluated for impairment collectively 164,596 214,547
Outstanding loan balances evaluated for impairment individually 0 0
Outstanding loan balances evaluated for impairment collectively 23,608,751 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
Outstanding loan balances evaluated for impairment purchase credit impaired 369,622 383,666
Residential Portfolio Segment [Member]    
Allowance for loan losses 603,558 644,639
Provision for loan losses 171,391 (22,111)
Charge offs 0 (18,970)
Recoveries 18,970 0
Allowance for loan losses 793,919 603,558
Allowance for loan losses ending balance evaluated for impairment individually 0 0
Allowance for loan losses ending balance evaluated for impairment collectively 793,919 603,558
Outstanding loan balances evaluated for impairment individually 256,350 39,228
Outstanding loan balances evaluated for impairment collectively 114,217,216 106,828,654
Residential Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Allowance for loan losses 0  
Allowance for loan losses 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 209,583 568,151
Commercial Portfolio Segment [Member]    
Allowance for loan losses 255,413 111,390
Provision for loan losses 84,358 129,023
Charge offs (2,468) 0
Recoveries 0 15,000
Allowance for loan losses 337,303 255,413
Allowance for loan losses ending balance evaluated for impairment individually 152,449 152,449
Allowance for loan losses ending balance evaluated for impairment collectively 184,854 102,964
Outstanding loan balances evaluated for impairment individually 152,449 152,449
Outstanding loan balances evaluated for impairment collectively 30,914,048 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
Outstanding loan balances evaluated for impairment purchase credit impaired 0 0
Consumer Portfolio Segment [Member]    
Allowance for loan losses 4,370 2,138
Provision for loan losses 336 2,232
Charge offs 0 0
Recoveries 0 0
Allowance for loan losses 4,706 4,370
Allowance for loan losses ending balance evaluated for impairment individually 0 0
Allowance for loan losses ending balance evaluated for impairment collectively 4,706 4,370
Outstanding loan balances evaluated for impairment individually 0 0
Outstanding loan balances evaluated for impairment collectively 156,422 355,958
Consumer Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Allowance for loan losses 0  
Allowance for loan losses 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired 0 0
Unallocated Financing Receivables [Member]    
Allowance for loan losses 89,450 106,550
Provision for loan losses (58,358) (17,100)
Charge offs 0 0
Recoveries 0 0
Allowance for loan losses 31,092 89,450
Allowance for loan losses ending balance evaluated for impairment individually 0 0
Allowance for loan losses ending balance evaluated for impairment collectively 31,092 89,450
Outstanding loan balances evaluated for impairment individually 0 0
Outstanding loan balances evaluated for impairment collectively 0 0
Unallocated Financing Receivables [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Allowance for loan losses 0  
Allowance for loan losses 0 0
Outstanding loan balances evaluated for impairment purchase credit impaired $ 0 $ 0
XML 65 R53.htm IDEA: XBRL DOCUMENT v3.22.4
Note 5 - Loans - Activity for Accretable Yield of Purchased Loans (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Balance at December 31, 2021 $ 1,629,242  
Transfer to accretable 0 $ 233,176
Accretion (698,269) (1,081,403)
Balance at December 31, 2022 $ 930,973 $ 1,629,242
XML 66 R54.htm IDEA: XBRL DOCUMENT v3.22.4
Note 6 - Premises and Equipment (Details Textual) - USD ($)
 1 Months Ended 12 Months Ended
Mar. 31, 2021
Jul. 31, 2022
Dec. 31, 2022
Dec. 31, 2021
Proceeds from Insurance Settlement, Investing Activities     $ 711,214 $ 0
Property, Plant and Equipment, Net, Total     6,186,594 6,259,421
Gain on Business Interruption Insurance Recovery     673,483 0
Proceeds from Sale of Property, Plant, and Equipment, Total     0 1,387,613
Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber Property     (0) 44,510
Amortization of Intangible Assets     36,550 36,509
Other Assets [Member]        
Intangible Assets, Net (Excluding Goodwill), Total     $ 90,927 $ 118,614
Real Property Acquired from Carroll in Merger [Member]        
Property, Plant and Equipment, Net, Total $ 1,322,000      
Proceeds from Sale of Property, Plant, and Equipment, Total 1,359,613      
Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber Property $ 37,613      
Storm [Member]        
Proceeds from Insurance Settlement, Including Repairs   $ 779,064    
Proceeds from Insurance Used to Repair Roof   67,850    
Proceeds from Insurance Settlement, Investing Activities   711,214    
Property, Plant and Equipment, Net, Total   37,732    
Gain on Business Interruption Insurance Recovery   $ 673,483    
XML 67 R55.htm IDEA: XBRL DOCUMENT v3.22.4
Note 6 - Premises and Equipment - Premises and Equipment (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Property, Plant and Equipment, Gross $ 13,936,977 $ 13,657,753
Accumulated depreciation and amortization 7,750,383 7,398,332
Property, Plant and Equipment, Net 6,186,594 6,259,421
Depreciation and amortization expense 445,939 434,434
Building and Building Improvements [Member]    
Property, Plant and Equipment, Gross $ 6,171,003 6,302,622
Building and Building Improvements [Member] | Minimum [Member]    
Property, Plant and Equipment, Estimated Useful Lives (Year) 15 years  
Building and Building Improvements [Member] | Maximum [Member]    
Property, Plant and Equipment, Estimated Useful Lives (Year) 39 years  
Land and Land Improvements [Member]    
Property, Plant and Equipment, Gross $ 2,602,998 2,602,998
Furniture and Fixtures [Member]    
Property, Plant and Equipment, Gross $ 5,162,976 $ 4,752,133
Furniture and Fixtures [Member] | Minimum [Member]    
Property, Plant and Equipment, Estimated Useful Lives (Year) 3 years  
Furniture and Fixtures [Member] | Maximum [Member]    
Property, Plant and Equipment, Estimated Useful Lives (Year) 10 years  
XML 68 R56.htm IDEA: XBRL DOCUMENT v3.22.4
Note 7 - Goodwill and Other Intangibles (Details Textual) - Core Deposits [Member]
 24 Months Ended
Dec. 31, 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
Finite-Lived Intangible Asset, Expected Amortization, Year Two 8,328
Finite-Lived Intangible Asset, Expected Amortization, Year Three 8,328
Finite-Lived Intangible Asset, Expected Amortization, Year Four 8,328
Finite-Lived Intangible Asset, Expected Amortization, Year Five 8,328
Finite-Lived Intangible Asset, Expected Amortization, Year Six 8,328
Finite-Lived Intangible Asset, Expected Amortization, Year Seven 8,328
Finite-Lived Intangible Asset, Expected Amortization, Year Eight 8,328
Finite-Lived Intangible Asset, Expected Amortization, Year Nine $ 8,328
XML 69 R57.htm IDEA: XBRL DOCUMENT v3.22.4
Note 7 - Goodwill and Other Intangibles - Changes in Goodwill and Other Intangibles (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Balance $ 6,978,208 $ 6,978,208
Balance 7,051,080 7,059,408
Amortization, other intangible (36,550) (36,509)
Amortization (8,328) (8,328)
Balance 6,978,208 6,978,208
Balance 7,042,752 7,051,080
Core Deposits [Member]    
Balance, other intangible 72,872 81,200
Amortization, other intangible (8,328) (8,328)
Balance, other intangible $ 64,544 $ 72,872
XML 70 R58.htm IDEA: XBRL DOCUMENT v3.22.4
Note 8 - Commitments and Contingencies (Details Textual)
 12 Months Ended
Dec. 31, 2022
USD ($)
Dec. 31, 2021
USD ($)
Dec. 31, 2020
Jun. 30, 2020
May 31, 2018
Jan. 31, 2018
Operating Lease, Cost $ 188,909 $ 191,913        
Operating Lease, Weighted Average Remaining Lease Term (Year) 6 years 6 months 14 days          
Operating Lease, Weighted Average Discount Rate, Percent 3.25%          
Operating Lease, Payments $ 184,554 174,860        
First Community Bankers Insurance Co., LLC [Member]            
Liability for Claims and Claims Adjustment Expense, Ending Balance $ 530,720 $ 390,171        
Operating Lease for Hampstead Branch [Member]            
Lessee, Operating Lease, Number of Renewal Terms 3          
Lessee, Operating Lease, Renewal Term (Year)     5 years      
Operating Lease for Certain Facilities of Greenmount Branch [Member]            
Lessee, Operating Lease, Renewal Term (Year)           5 years
Lessee, Operating Lease, Term of Contract (Year)           5 years
Operating Lease for the Corporate Headquarters [Member]            
Lessee, Operating Lease, Renewal Term (Year)       5 years    
Lease for Carroll Lutheran Village Branch [Member]            
Lessee, Operating Lease, Renewal Term (Year)         5 years  
Lessee, Operating Lease, Term of Contract (Year)         5 years  
Lessee, Operating Lease, Additional Renewal Term Number         2  
XML 71 R59.htm IDEA: XBRL DOCUMENT v3.22.4
Note 8 - Commitments and Contingencies - Operating Lease Assets and Liabilities (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Other Assets [Member]    
Operating lease right of use asset $ 943,933 $ 1,093,382
Other Liabilities [Member]    
Operating lease liabilities $ 1,166,476 $ 1,311,570
XML 72 R60.htm IDEA: XBRL DOCUMENT v3.22.4
Note 8 - Commitments and Contingencies - Operating Lease Liabilities (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
2023 $ 188,734  
2024 194,252  
2025 199,944  
2026 205,816  
2027 211,874  
Thereafter 282,496  
Total lease payments 1,283,116  
Less imputed interest (116,640)  
Other Liabilities [Member]    
Present value of operating lease liabilities $ 1,166,476 $ 1,311,570
XML 73 R61.htm IDEA: XBRL DOCUMENT v3.22.4
Note 8 - Commitment and Contingencies - Outstanding Loan Commitments, Unused Lines of Credit, and Letters of Credit (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Letter of Credit [Member]    
Outstanding loan commitments, unused lines of credit, and letters of credit $ 1,403,956 $ 1,470,742
Loan Origination Commitments [Member]    
Outstanding loan commitments, unused lines of credit, and letters of credit 13,975,917 34,797,370
Unused lines of Credit [Member]    
Outstanding loan commitments, unused lines of credit, and letters of credit 37,550,783 41,536,430
Unused lines of Credit [Member] | Home Equity Loan [Member]    
Outstanding loan commitments, unused lines of credit, and letters of credit 12,086,758 12,707,519
Unused lines of Credit [Member] | Commercial Lines [Member]    
Outstanding loan commitments, unused lines of credit, and letters of credit 25,464,025 28,828,911
Construction and Land Development [Member] | Loan Origination Commitments [Member]    
Outstanding loan commitments, unused lines of credit, and letters of credit 911,500 6,810,353
Commercial Portfolio Segment [Member] | Loan Origination Commitments [Member]    
Outstanding loan commitments, unused lines of credit, and letters of credit 398,046 630,000
Commercial Real Estate Portfolio Segment [Member] | Loan Origination Commitments [Member]    
Outstanding loan commitments, unused lines of credit, and letters of credit 9,264,000 23,552,400
Residential Portfolio Segment [Member] | Loan Origination Commitments [Member]    
Outstanding loan commitments, unused lines of credit, and letters of credit $ 3,402,371 $ 3,804,617
XML 74 R62.htm IDEA: XBRL DOCUMENT v3.22.4
Note 9 - Retirement Plans (Details Textual)
 12 Months Ended
Dec. 31, 2022
USD ($)
Dec. 31, 2021
USD ($)
Number of Employees Covered by Life Insurance Policy 12  
Other Postretirement Benefits Cost (Reversal of Cost) $ 6,809 $ 6,643
Employee Benefits and Share-Based Compensation $ 1,798,150 1,718,465
Supplemental Employee Retirement Plan [Member]    
Number of Employees Participating in Plan 4  
Employee Benefits and Share-Based Compensation $ 154,911 168,129
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%  
Defined Contribution Plan, Employer Discretionary Contribution Amount $ 256,251 $ 259,042
XML 75 R63.htm IDEA: XBRL DOCUMENT v3.22.4
Note 10 - Interest-bearing Deposits (Details Textual) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Oct. 01, 2020
Interest-Bearing Deposit Liabilities, Certificates of Deposit, Premium     $ 616,377
Accretion of Premium on Certificate of Deposits $ 160,923 $ 249,840  
XML 76 R64.htm IDEA: XBRL DOCUMENT v3.22.4
Note 10 - Interest-bearing Deposits - Classification of Interest-Bearing Deposits (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
NOW $ 135,716,736 $ 130,486,845
Money market 99,173,640 90,994,339
Savings 103,308,454 99,959,988
Certificates of deposit, greater than $250,000 37,976,238 34,697,273
Other time deposits 120,740,707 146,100,610
Interest-bearing Deposit Liabilities $ 496,915,775 $ 502,239,055
XML 77 R65.htm IDEA: XBRL DOCUMENT v3.22.4
Note 10 - Interest-bearing Deposits - Certificates of Deposit Maturity Schedule (Details)
Dec. 31, 2022
USD ($)
2023 $ 110,590,325
2024 39,187,383
2025 4,711,082
2026 2,570,470
2027 1,657,685
Time Deposits $ 158,716,945
XML 78 R66.htm IDEA: XBRL DOCUMENT v3.22.4
Note 11 - Borrowed Funds (Details Textual) - USD ($)
 48 Months Ended
Sep. 30, 2020
Sep. 30, 2025
Dec. 31, 2022
Dec. 31, 2021
Unsecured Line of Credit [Member]        
Line of Credit Facility, Maximum Borrowing Capacity     $ 14,500,000  
Secured Line of Credit [Member]        
Line of Credit Facility, Maximum Borrowing Capacity     9,000,000  
Federal Home Loan Bank Advances [Member]        
Line of Credit Facility, Maximum Borrowing Capacity     60,500,000  
Federal Reserve Bank Advances [Member]        
Line of Credit Facility, Maximum Borrowing Capacity     $ 25,400,000  
Loan to Fund Merger Consideration [Member]        
Debt Instrument, Face Amount $ 17,000,000      
Payments of Debt Issuance Costs 28,126      
Proceeds from Issuance of Long-term Debt, Total $ 16,971,874      
Debt Instrument, Interest Rate, Stated Percentage 4.10%   4.10% 4.10%
Long-Term Debt, Maturity, Year Five     $ 9,916,667  
Loan to Fund Merger Consideration [Member] | Forecast [Member]        
Debt Instrument, Periodic Payment, Total   $ 646,472    
XML 79 R67.htm IDEA: XBRL DOCUMENT v3.22.4
Note 11 - Borrowed Funds - Outstanding Advances (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Sep. 30, 2020
Amount $ 5,175,303 $ 5,414,026  
Amount 20,000,000 5,000,000  
Amount $ 15,095,642 $ 16,978,905  
Federal Home Loan Bank advances 1.55% 1.01%  
Carrying value $ 11,389,983 $ 7,062,928  
Securities Sold under Agreements to Repurchase [Member]      
Amount 0.30% 0.43%  
Securities sold under repurchase agreements 0.30% 0.31%  
Federal Reserve Bank Advances [Member]      
Carrying value - loans $ 62,720,368 $ 55,399,031  
Federal Home Loan Bank Advances [Member]      
Amount $ 20,000,000 $ 5,000,000  
Federal Home Loan Bank advances 3.68% 1.00%  
Carrying value - loans $ 458,863,387 $ 111,547,027  
Federal Home Loan Bank Advances at 1.00% Due in 2025 [Member]      
Interest Rate 1.00%    
Amount $ 5,000,000 5,000,000  
Federal Home Loan Bank Advances at 4.75% Due in 2023 [Member]      
Interest Rate 4.57%    
Amount $ 15,000,000 0  
Loan to Fund Merger Consideration [Member]      
Amount 4.10%    
Amount $ 15,095,642 $ 16,978,905  
Long-term debt 4.10% 4.10%  
Long-term debt 4.10% 4.10% 4.10%
XML 80 R68.htm IDEA: XBRL DOCUMENT v3.22.4
Note 12 - Income Taxes (Details Textual)
$ in Millions
 12 Months Ended
Dec. 31, 2022
USD ($)
Income Tax Examination, Penalties and Interest Expense, Total $ 3
Open Tax Year 2019 2020 2021
XML 81 R69.htm IDEA: XBRL DOCUMENT v3.22.4
Note 12 - Income Taxes - Components of Income Tax Expense (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Federal $ 1,852,205 $ 1,798,535
State 883,493 794,348
Current Income Tax Expense (Benefit), Total 2,735,698 2,592,883
Deferred income taxes (250,672) (160,070)
Income Tax Expense (Benefit), Total $ 2,485,026 $ 2,432,813
XML 82 R70.htm IDEA: XBRL DOCUMENT v3.22.4
Note 12 - Income Taxes - Components of Deferred Tax Expense (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Depreciation $ 15,108 $ 8,291
Insurance proceeds for storm damage 185,326 0
Provision for loan losses (160,332) (141,488)
Other real estate owned allowance for loss 0 (46,561)
Nonaccrual interest (29,429) (83,961)
Prepaid captive insurance premium (357,518) (14,375)
Write-down of equity securities (11,583) (4,227)
Lease liability, net of right of use asset (1,198) (4,693)
Purchase accounting adjustments 153,455 175,037
Post-retirement benefits (44,501) (48,093)
Deferred Income Tax Expense (Benefit), Total $ (250,672) $ (160,070)
XML 83 R71.htm IDEA: XBRL DOCUMENT v3.22.4
Note 12 - Income Taxes - Components of Deferred Tax Assets and Liabilities (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Allowance for loan losses $ 1,111,679 $ 951,348
Other real estate owned allowance for loss 434,628 434,628
Capital loss carryover 0 5,300
Nonaccrual interest 118,010 88,581
Post-retirement benefits 695,983 651,482
Purchase accounting adjustments 81,687 235,142
Unrealized loss on securities available for sale 6,433,263 468,726
Lease liability, net of right of use asset 61,238 60,040
Other 21,079 0
Deferred Tax Assets, Net of Valuation Allowance, Total 8,957,567 2,895,247
Deferred tax liabilities    
Prepaid captive insurance premium 0 357,518
Depreciation 364,008 348,900
Insurance proceeds from storm damage 185,326 0
Other 15,575 11,379
Deferred Tax Liabilities, Total 564,909 717,797
Net deferred tax asset $ 8,392,658 $ 2,177,450
XML 84 R72.htm IDEA: XBRL DOCUMENT v3.22.4
Note 12 - Income Taxes - Reconciliation of Effective Income Tax Rate (Details)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Statutory federal income tax rate 21.00% 21.00%
Federal tax-exempt income (3.60%) (4.40%)
State income taxes, net of federal income tax benefit 5.80% 5.80%
Other 0.30% 0.60%
Effective Income Tax Rate Reconciliation, Percent, Total 23.50% 23.00%
XML 85 R73.htm IDEA: XBRL DOCUMENT v3.22.4
Note 13 - Capital Standards (Details Textual)
Dec. 31, 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 86 R74.htm IDEA: XBRL DOCUMENT v3.22.4
Note 13 - Capital Standards - Capital Requirements (Details)
$ in Thousands
Dec. 31, 2022
USD ($)
Dec. 31, 2021
USD ($)
Capital $ 75,826 $ 69,957
Capital to Risk Weighted Assets 0.1296 0.1324
Capital Required for Capital Adequacy $ 61,410 $ 55,471
Capital Required for Capital Adequacy to Risk Weighted Assets 0.1050 0.1050
Capital Required to be Well Capitalized $ 58,486 $ 52,830
Capital Required to be Well Capitalized to Risk Weighted Assets 0.10 0.1000
Tier One Risk Based Capital $ 71,676 $ 66,307
Tier One Risk Based Capital to Risk Weighted Assets 0.1226 0.1255
Tier One Risk Based Capital Required for Capital Adequacy $ 49,713 $ 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 $ 46,789 $ 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 $ 71,676 $ 66,307
Common Equity Tier One Capital Ratio 0.1226 0.1255
Common Equity Tier One Capital Required for Capital Adequacy $ 40,940 $ 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 $ 38,016 $ 34,339
Common Equity Tier One Capital Required to be Well Capitalized Ratio 0.065 0.0650
Tier One Leverage Capital $ 71,676 $ 66,307
Tier One Leverage Capital to Average Assets 0.0983 0.0927
Tier One Leverage Capital Required for Capital Adequacy $ 29,167 $ 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 $ 36,459 $ 35,767
Tier One Leverage Capital Required to be Well Capitalized to Average Assets 0.05 0.0500
XML 87 R75.htm IDEA: XBRL DOCUMENT v3.22.4
Note 14 - Fair Value (Details Textual)
 12 Months Ended
Dec. 31, 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 88 R76.htm IDEA: XBRL DOCUMENT v3.22.4
Note 14 - Fair Value - Summarizes Financial Assets Measured at Fair Value (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Fair value, available for sale $ 126,314,449 $ 149,237,916
Equity security at fair value 489,145 543,605
Fair Value, Recurring [Member]    
Fair value, available for sale 126,314,449 149,237,916
Equity security at fair value 489,145 543,605
Fair Value, Nonrecurring [Member]    
Other real estate owned, net 1,242,365 1,242,365
Impaired loans 373,500 373,500
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 0 0
Equity security at fair value 489,145 543,605
Fair Value, Inputs, Level 1 [Member] | Fair Value, Nonrecurring [Member]    
Other real estate owned, net 0 0
Impaired loans 0 0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 125,914,449 148,587,916
Equity security at fair value 0 0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Nonrecurring [Member]    
Other real estate owned, net 0 0
Impaired loans 0 0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 400,000 650,000
Equity security at fair value 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 373,500 373,500
US States and Political Subdivisions Debt Securities [Member]    
Fair value, available for sale 552,281 763,498
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 552,281 763,498
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 552,281 763,498
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 1,019,797 1,397,762
SBA Pools [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 1,019,797 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 1,019,797 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 9,389,896 9,234,207
Corporate Debt Securities [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale   9,234,207
Corporate Debt Securities [Member] | Fair Value, Nonrecurring [Member]    
Fair value, available for sale 9,389,896  
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale   0
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Nonrecurring [Member]    
Fair value, available for sale 0  
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale   8,584,207
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Nonrecurring [Member]    
Fair value, available for sale 8,989,896  
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale   650,000
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Nonrecurring [Member]    
Fair value, available for sale 400,000  
Collateralized Mortgage-Backed Securities [Member]    
Fair value, available for sale 115,352,475 137,842,449
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale 115,352,475 137,842,449
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 115,352,475 137,842,449
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]    
Fair value, available for sale $ 0 $ 0
XML 89 R77.htm IDEA: XBRL DOCUMENT v3.22.4
Note 14 - Fair Value - Assets Measured on a Nonrecurring Basis (Details)
 12 Months Ended
Dec. 31, 2022
USD ($)
Other Real Estate Owned [Member]  
Percent, expected sales cost to appraised rate 10.00%
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Impaired Commercial Real Estate Loans [Member]  
Fair value $ 373,500
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Impaired Commercial Real Estate Loans [Member] | Minimum [Member]  
Percent, expected sales cost to appraised rate 0.00%
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Impaired Commercial Real Estate Loans [Member] | Maximum [Member]  
Percent, expected sales cost to appraised rate 20.00%
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Impaired Commercial Real Estate Loans [Member] | Weighted Average [Member]  
Percent, expected sales cost to appraised rate (10.00%)
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member]  
Fair value $ 1,242,365
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member] | Minimum [Member]  
Percent, expected sales cost to appraised rate 0.00%
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member] | Maximum [Member]  
Percent, expected sales cost to appraised rate 10.00%
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member] | Weighted Average [Member]  
Percent, expected sales cost to appraised rate (5.00%)
XML 90 R78.htm IDEA: XBRL DOCUMENT v3.22.4
Note 14 - Fair Value - Reconciliation of Level 3 Inputs (Details) - Corporate Bond Securities [Member]
 12 Months Ended
Dec. 31, 2022
USD ($)
Fair value beginning balance $ 650,000
Additions 0
Principal payments received 0
Transfer to level 2 (250,000)
Fair value ending balance $ 400,000
XML 91 R79.htm IDEA: XBRL DOCUMENT v3.22.4
Note 14 - Fair Value - Estimated Fair Value of Financial Instruments (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Fair value, held to maturity $ 18,879,795  
Securities held to maturity (1) 18,879,795  
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]    
Cash and cash equivalents 7,263,537 $ 26,462,106
Noninterest-bearing deposits 126,695,349 124,175,615
Securities sold under repurchase agreements 5,175,303 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 1,815,784 1,609,063
Fair value, held to maturity 17,537,377 18,778,935
Mortgage loans held for sale 428,355 126,500
Restricted stock, at cost 1,332,500 675,400
Bank owned life insurance 14,585,342 11,556,163
Securities held to maturity (1) 17,537,377 18,778,935
Interest-bearing deposits 496,915,775 502,239,055
Federal Home Loan Bank advances 20,000,000 5,000,000
Long-term debt 15,095,642 16,978,905
Accrued interest payable 349,910 295,910
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair value, held to maturity 2,971,620 3,073,040
Securities held to maturity (1) 2,971,620 3,073,040
Loans, net 516,920,540 482,011,334
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]    
Cash and cash equivalents 7,263,537 26,462,106
Noninterest-bearing deposits 126,695,349 124,175,615
Securities sold under repurchase agreements 5,175,303 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 1,815,784 1,609,063
Fair value, held to maturity 15,908,175 19,732,561
Mortgage loans held for sale 434,271 128,829
Restricted stock, at cost 1,332,500 675,400
Bank owned life insurance 14,585,342 11,556,163
Securities held to maturity (1) 15,908,175 19,732,561
Interest-bearing deposits 492,769,775 502,396,172
Federal Home Loan Bank advances 19,622,000 4,967,000
Long-term debt 14,241,237 17,298,111
Accrued interest payable 349,910 295,910
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair value, held to maturity 2,971,620 3,073,040
Securities held to maturity (1) 2,971,620 3,073,040
Loans, net $ 503,144,771 $ 487,012,970
XML 92 R80.htm IDEA: XBRL DOCUMENT v3.22.4
Note 15 - Parent Company Financial Information - Balance Sheets (Details) - USD ($)
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Other assets $ 5,587,654 $ 5,522,877  
Assets 718,210,672 716,677,255  
Amount 15,095,642 16,978,905  
Accrued interest payable 349,910 295,910  
Liabilities, Total 670,435,709 660,055,797  
Common stock, par value $.01 per share, authorized 5,000,000 shares; issued and outstanding 3,071,214 in 2022 and 3,037,137 shares in 2021 30,712 30,372  
Additional paid-in capital 29,549,914 28,857,422  
Retained earnings 35,300,166 29,128,600  
Accumulated other comprehensive income (17,105,829) (1,394,936)  
Stockholders' Equity Attributable to Parent, Ending Balance 47,774,963 56,621,458 $ 51,729,483
Liabilities and Equity, Total 718,210,672 716,677,255  
Parent Company [Member]      
Cash and cash equivalents 806,384 930,354  
Investment in subsidiaries 62,064,533 72,662,265  
Other assets 158,127 185,866  
Assets 63,029,044 73,778,485  
Amount 15,095,642 16,978,905  
Accrued interest payable 158,439 178,122  
Liabilities, Total 15,254,081 17,157,027  
Common stock, par value $.01 per share, authorized 5,000,000 shares; issued and outstanding 3,071,214 in 2022 and 3,037,137 shares in 2021 30,712 30,372  
Additional paid-in capital 29,549,914 28,857,422  
Retained earnings 35,300,166 29,128,600  
Accumulated other comprehensive income (17,105,829) (1,394,936)  
Stockholders' Equity Attributable to Parent, Ending Balance 47,774,963 56,621,458  
Liabilities and Equity, Total $ 63,029,044 $ 73,778,485  
XML 93 R81.htm IDEA: XBRL DOCUMENT v3.22.4
Note 15 - Parent Company Financial Information - Balance Sheets (Details) (Parentheticals) - $ / shares
Dec. 31, 2022
Dec. 31, 2021
Common Stock, Par or Stated Value Per Share (in dollars per share) $ 0.01 $ 0.01
Common Stock, Shares Authorized (in shares) 5,000,000 5,000,000
Common Stock, Shares, Issued (in shares) 3,071,214 3,037,137
Common Stock, Shares, Outstanding (in shares) 3,071,214 3,037,137
Parent Company [Member]    
Common Stock, Par or Stated Value Per Share (in dollars per share) $ 0.01 $ 0.01
Common Stock, Shares Authorized (in shares) 5,000,000 5,000,000
Common Stock, Shares, Issued (in shares) 3,071,214 3,037,137
Common Stock, Shares, Outstanding (in shares) 3,071,214 3,037,137
XML 94 R82.htm IDEA: XBRL DOCUMENT v3.22.4
Note 15 - Parent Company Financial Information - Statements of Income (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Total income $ 26,269,653 $ 25,680,403
Noninterest expense 15,367,280 14,128,599
Income taxes (benefit) 2,485,026 2,432,813
Net Income 8,090,127 8,149,606
Parent Company [Member]    
Cash dividends from subsidiaries 3,574,000 2,595,000
Total income 3,574,000 2,595,000
Interest expense - long-term debt (664,621) (712,306)
Noninterest expense 90,969 537
Income before income taxes and equity in (distributed) undistributed income of subsidiaries 2,818,410 1,882,157
Income taxes (benefit) (158,556) (149,486)
Income before equity in (distributed) undistributed income of subsidiaries 2,976,966 2,031,643
Dividends in excess of income of insurance subsidiary (247,472) (100,019)
Equity in undistributed income of bank subsidiary 5,360,633 6,217,982
Net Income $ 8,090,127 $ 8,149,606
XML 95 R83.htm IDEA: XBRL DOCUMENT v3.22.4
Note 15 - Parent Company Financial Information - Statements of Cash Flows (Details) - USD ($)
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Net Income $ 8,090,127 $ 8,149,606
Decrease in accrued interest payable 54,000 (113,712)
Amortization of debt issuance costs 5,625 5,625
Cash provided by operating activities 7,155,962 11,704,730
Cash used by investing activities (35,358,568) (58,984,893)
Dividends paid, net of reinvestments (1,225,729) (1,156,418)
Cash used in financing activities 9,004,037 32,766,599
Net (decrease) increase in cash and cash equivalents (19,198,569) (14,513,564)
Cash and cash equivalents at beginning of period 26,462,106 40,975,670
Cash and cash equivalents at end of period 7,263,537 26,462,106
Parent Company [Member]    
Net Income 8,090,127 8,149,606
Equity in undistributed income of bank subsidiary (5,360,633) (6,217,982)
Decrease in accrued interest payable (19,683) (1,935)
Amortization of debt issuance costs 5,625 5,625
Change in income tax receivable 27,739 (149,486)
Dividend received in excess of income of insurance subsidiary 247,472 100,019
Cash provided by operating activities 2,990,647 1,885,847
Cash used by investing activities 0 0
Proceeds from Issuance of Long-term Debt, Total (1,888,888) 0
Dividends paid, net of reinvestments (1,225,729) (1,156,418)
Cash used in financing activities (3,114,617) (1,156,418)
Net (decrease) increase in cash and cash equivalents (123,970) 729,429
Cash and cash equivalents at beginning of period 930,354 200,925
Cash and cash equivalents at end of period $ 806,384 $ 930,354
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10pt;font-variant:normal;margin:0pt;"><b>Summary of Significant Accounting Policies</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The accounting and reporting policies reflected in the financial statements conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. Management makes estimates and assumptions that affect the reported amounts of assets, liabilities, and disclosures of commitments and contingent liabilities at the balance sheet date, and revenues and expenses during the year. These estimates and assumptions <em style="font: inherit;"> may </em>affect the reported amounts of revenue and expenses during the reporting period. Actual results could differ from these estimates.</p> <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;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Principles of consolidation</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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 is a series investment, 100% owned by the Company, in First Community Bankers Insurance Co., LLC, a Tennessee “series” limited liability company and licensed property and casualty insurance company. Intercompany balances and transactions, including insurance premiums paid by the Bank that were received by the Insurance Subsidiary through an intermediary, have been eliminated. Effective <em style="font: inherit;"> October 1, 2020, </em>the Company acquired Carroll Bancorp, Inc. and its wholly-owned subsidiary, Carroll Community Bank (collectively, “Carroll”), both of which were based in Eldersburg, Maryland, through a series of merger transactions (the “Merger”).</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Business</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Bank provides banking services to individuals and businesses located in Baltimore County, Maryland, Carroll County, Maryland and surrounding areas of northern Maryland. The Insurance Subsidiary is a captive insurance entity that provides insurance coverage for the Bank. The Bank chose <em style="font: inherit;">not</em> to renew coverage effective on <em style="font: inherit;"> November 7, 2022, </em>but <em style="font: inherit;"> may </em>do so in the future, The Insurance Subsidiary is still responsible for claims for events that occurred prior to <em style="font: inherit;"> November 7, 2023. </em>Reliable Community Financial Services, Inc. is licensed to provide a wide range of investment and insurance products to its customers, but is inactive.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:18pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Reclassifications</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Certain reclassifications have been made to the <em style="font: inherit;">2021</em> financial statements to conform to the current year presentation. These reclassifications had <em style="font: inherit;">no</em> effect on net income or stockholders’ equity.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Cash and cash equivalents</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, money market funds, and federal funds sold. Generally, federal funds are purchased and sold for <em style="font: inherit;">one</em>-day periods.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Comprehensive (loss) income</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">Comprehensive (loss) income includes net income and the unrealized gains or losses on investment securities available for sale, net of income taxes.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;"/> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Investment securities</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">As debt securities are purchased, management determines if the securities should be classified as held to maturity or available for sale. Securities that management has the intent and ability to hold to maturity are recorded at amortized cost, which is cost adjusted for amortization of premiums and accretion of discounts. Discounts are accreted through maturity. Premiums are amortized through the earliest call date. Securities held to meet liquidity needs or that <em style="font: inherit;"> may </em>be sold before maturity are classified as available for sale and carried at fair value with unrealized gains and losses included in stockholders' equity on an after-tax basis. Gains and losses on disposal are determined using the specific-identification method. The Company amortizes premiums and accretes discounts using the interest method.</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: auto;"><p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin: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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company regularly evaluates its securities whose values have declined below their amortized cost to assess whether the decline in fair value is other-than-temporary. The Company considers various factors in determining whether a decline in fair value is other-than-temporary including the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads, the expected recovery period and other quantitative and qualitative information. The valuation of securities for impairment is a process subject to estimation, judgment and uncertainty and is intended to determine whether declines in the fair value of investments should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions and future changes in assessments of the aforementioned factors. It is expected that such factors will change in the future, which <em style="font: inherit;"> may </em>result in future other-than-temporary impairments. For impairments of debt securities that are deemed to be other-than-temporary, the credit portion of an other-than-temporary impairment loss is recognized in earnings and the non-credit portion is recognized in accumulated other comprehensive income in those situations where the Company does <em style="font: inherit;">not</em> intend to sell the security and it is more likely than <em style="font: inherit;">not</em> that the Company will <em style="font: inherit;">not</em> be required to sell the security prior to recovery.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Equity security at fair value</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company owns a mutual fund that is measured at fair value with changes in fair value recognized in noninterest income.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Restricted stock, at cost</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">         Restricted stock consists of Federal Home Loan Bank of Atlanta (the “FHLB”) stock, Community Bankers Bank (“CBB”) stock, and Atlantic Community Bankers Bank (“ACBB”) stock. As a member of the FHLB, the Bank is required to purchase FHLB stock in an amount that is based on the Bank’s total assets. Additional stock is purchased and redeemed based on the outstanding FHLB advances to the Bank. CBB and ACBB require its correspondent banking institutions to hold stock as a condition of membership. The restricted investment in bank stocks is carried at cost. On a quarterly basis, management evaluates the bank stocks for impairment based on assessment of the ultimate recoverability of cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of cost is influenced by criteria such as operating performance, liquidity, funding and capital positions, stock repurchase history, dividend history, and impact of legislative and regulatory changes.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Loans and allowance for loan losses</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans are stated at the current amount of unpaid principal, adjusted for deferred origination costs, deferred origination fees, premiums and discounts on acquired loans, and the allowance for loan losses. Interest on loans is accrued based on the principal amounts outstanding. Origination fees and costs, along with premiums and accretable discounts, are amortized to income over the terms of loans.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Past due status is based on the contractual terms of the loan. Management <em style="font: inherit;"> may </em>make an exception to reporting a loan as past due, if the past due status is solely due to the loan being past maturity, the Company intends to extend the loan, and the borrower is making principal and interest payments in accordance with the terms of the matured note. The accrual of interest is discontinued when any portion of the principal or interest is <em style="font: inherit;">90</em> days past due and collateral is insufficient to discharge the debt in full. If collection of principal is evaluated as doubtful, all payments are applied to principal. Loans are considered impaired when, based on current information, management considers it unlikely that the collection of principal and interest payments will be made according to contractual terms when due. Generally, loans are <em style="font: inherit;">not</em> reviewed for impairment until the accrual of interest has been discontinued, the loans are included on the watch list, or the loans are troubled debt restructurings (“TDRs”).</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: auto;"><p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin: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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The allowance for loan losses represents an amount which, in management’s judgment, will be adequate to absorb probable and estimable losses on existing loans and other extensions of credit that <em style="font: inherit;"> may </em>become uncollectible. The Company’s allowance for loan losses consists of <em style="font: inherit;">three</em> elements: (i) segregating the loan portfolio into pools based upon similar characteristics and risk profiles and applying a loss factor to the pools, based on historical losses within those pools; (ii) applying qualitative factors to the loan pools that consider economic and other factors, both internal and external, affecting the Company and the pools; and (iii) determining specific reserves based on individual evaluation of impaired loans that are <em style="font: inherit;">not</em> included in the pools discussed above.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The allowances established for probable and estimable losses on impaired loans are based on a regular analysis and evaluation of problem loans. Management maintains a watch list of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the borrower’s ability to repay; (ii) the underlying collateral, if any; (iii) the economic environment; and (iv) for commercial borrowers, the industry in which the borrower operates. Specific valuation allowances are determined when the collateral value, if the loan is collateral dependent, or the discounted cash flows of the impaired loan is lower than the carrying value.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Historical valuation allowances are calculated based on the historical loss experience of specific types of loans. The Company calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual charge-offs experienced to the total population of loans in the pool over the prior <em style="font: inherit;">twenty</em> quarters. The historical loss ratios are updated quarterly based on actual charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the annual historical loss ratio and the total dollar amount of the loans in the pool.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Adjustments to the historical valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Company. In general, such adjustments are determined by evaluating, among other things: (i) the impact of economic conditions on the portfolio; (ii) changes in asset quality, including delinquency trends; (iii) the impact of changing interest rates on portfolio risk; (iv) changes in legislative and regulatory policy; (v) the composition and concentrations of credit; and (vi) the effectiveness of the internal loan review function as well as changes to policies and experience of loan personnel. Management evaluates these qualitative factors on a quarterly basis. Each factor could result in an adjustment that is positive, negative, or <em style="font: inherit;">no</em> impact.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loan losses are charged to the allowance when management believes that collection is unlikely. Collections of loans previously charged off are added to the allowance at the time of recovery.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans acquired in connection with business combinations are recorded at fair value with <em style="font: inherit;">no</em> carryover of any allowance for loan losses. Fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans acquired through business combinations that are designated as purchase credit impaired loans because they meet the specific criteria of Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) <em style="font: inherit;">310</em>-<em style="font: inherit;">30,</em> Loans and Debt Securities Acquired with Deteriorated Credit Quality are individually evaluated each period to recast expected cash flows. To the extent that the expected cash flows of a loan have decreased due to credit deterioration, the Company establishes an allowance.</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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </td></tr> </tbody></table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:36pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loan. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. These loans are accounted for under ASC <em style="font: inherit;">310</em>-<em style="font: inherit;">30.</em> The nonaccretable difference includes estimated future credit losses expected to be incurred over the life of the loan. Subsequent decreases in expected cash flows will require us to evaluate the need for an addition to the allowance for loan losses. Subsequent improvement in expected cash flows will result in the transfer of a corresponding amount of the nonaccretable difference, which we will then reclassify as accretable discount to be recognized into interest income over the remaining life of the loan.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans acquired through business combinations that do <em style="font: inherit;">not</em> meet the specific criteria of ASC <em style="font: inherit;">310</em>-<em style="font: inherit;">30</em> are accounted for under ASC <em style="font: inherit;">310</em>-<em style="font: inherit;">20,</em> Receivables - Nonrefundable Fees and Other Costs. These loans are initially recorded at fair value, and include credit and interest rate marks associated with acquisition accounting adjustments. Purchase premiums or discounts are subsequently amortized as an adjustment to yield over the estimated contractual lives of the loans. There is <em style="font: inherit;">no</em> allowance for loan losses established at the acquisition date for acquired performing loans. Subsequent to acquisition, a quarterly comparison of the remaining fair value discount to the required allowance under appropriate methodology is performed. If the fair value discount remains in excess of the required allowance, then <em style="font: inherit;">no</em> adjustment is made. If the fair value falls below the required reserve, then a charge to the provision is recorded for the shortfall as part of the allowance for loan losses.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Mortgage loans held for sale and mortgage banking income</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Mortgage loans held for sale are carried at the lower of aggregate cost or fair value based on the current fair value of each outstanding loan. Sales of loans are recorded when the proceeds are received, with any gain or loss recorded in mortgage banking income.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company sells its mortgage loans to <em style="font: inherit;">third</em> party investors with servicing released. Upon sale and delivery, loans are legally isolated from the Company and the Company has <em style="font: inherit;">no</em> ability to restrict or constrain the ability of <em style="font: inherit;">third</em> party investors to pledge or exchange the mortgage loans. The Company does <em style="font: inherit;">not</em> have the entitlement or ability to repurchase the mortgage loans or unilaterally cause <em style="font: inherit;">third</em> party investors to put the mortgage loans back to the Company.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Premises and equipment</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Land is carried at cost. Premises and equipment are recorded at cost less accumulated depreciation and amortization. Depreciation on buildings and equipment is computed over the estimated useful lives of the assets using the straight-line method. Leasehold improvements are amortized using the straight-line method over the term of the lease or the estimated useful lives of the asset, whichever is shorter.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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;text-indent:9pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Other real estate owned</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Real estate acquired through foreclosure or by deed in lieu of foreclosure is recorded at fair value less estimated costs to sell on the date acquired establishing a new cost basis. Losses          incurred at the time of acquisition of the property are charged to the allowance for loan losses. Subsequent reductions in the estimated value of the property are included with any gains or losses on sale in noninterest expense.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Bank owned life insurance</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.</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;"/> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"/> </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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Goodwill and other intangible assets</i></b><i> </i></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Goodwill is calculated as the purchase premium, if any, after adjusting for the fair value of net assets acquired in purchase transactions. Goodwill is <em style="font: inherit;">not</em> amortized but is reviewed for potential impairment on at least an annual basis, with testing between annual evaluation if an event occurs or circumstances change that could potentially reduce the fair value of a reporting unit. Other intangible assets represent purchased assets that can be distinguished from goodwill because of contractual or other legal rights. The Company’s other intangible asset, core deposit intangible (“CDI”) has a finite life and is amortized over <em style="font: inherit;">10</em> years on a straight line basis, which is believed to be substantially the same as the interest method.</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Revenue recognition</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">ASC Topic <em style="font: inherit;">606</em> does <em style="font: inherit;">not</em> apply to revenue associated with the financial instruments, including revenue from loans and securities. The Company’s services that fall within the scope of Topic <em style="font: inherit;">606</em> are presented within noninterest income and are recognized as revenue as the Company satisfies its obligation to the customer. A description of the Company’s noninterest revenue streams is discussed below:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"><span style="text-decoration: underline; ">Service Charges on Deposit Accounts:</span> The Company earns fees from its deposit customers for overdraft, monthly service fees, and other deposit account related fees. Overdraft fees are recognized when the overdraft occurs. The Company's performance obligation for monthly service fees is generally satisfied over the period in which the service is provided. Other deposit account related fees are largely transactional based, and therefore, the Company's performance obligation is satisfied, and related revenue recognized, at a point in time.                  </p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"><span style="text-decoration: underline; ">Interchange Income</span>: The Company earns interchange fees from debit cardholder transactions conducted through various payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services. The Company's analysis of its relationship with its interchange debit card provider is agent based. As a result, income from debit cardholder transactions is presented net against expenses paid to the interchange debit card provider in service charges on deposit accounts on the consolidated statements of income.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"><span style="text-decoration: underline; ">Other Service Charges and Fees:</span> The Company earns fees from its customers for transaction-based services. Services include, safe deposit box, debit/ATM card income, cashier's check, stop payment and wire transfer fees. In each case, these fees and service charges are recognized in income at the time or within the same period that the services are rendered.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Operating leases</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company accounts for lease obligations in accordance with FASB Accounting Standards Update (“ASU”) <em style="font: inherit;">2016</em>-<em style="font: inherit;">02,</em> “Leases (Topic <em style="font: inherit;">842</em>).” Among other things, in the amendments in ASU <em style="font: inherit;">2016‑02,</em> lessees are required to recognize the following for all leases (with the exception of qualifying short‑term leases) at the commencement date: (i) a lease liability, which is a lessee’s obligation to make lease payments arising from a lease, measured on a discounted basis; and (ii) a right‑of‑use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. The Company has determined it has <em style="font: inherit;">no</em> financing or sales type leases as of the balance sheet date.</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;margin:0pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Advertising costs</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Advertising costs are expensed in the period incurred and totaled $<b>258,032</b> and $233,358 for the years ended <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> respectively.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Income taxes</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The provision for income taxes includes income taxes payable for the current year and deferred income taxes. Deferred tax assets and liabilities are determined based on the difference between the financial statement basis and tax basis of assets and liabilities using enacted tax rates in effect for the year in which the differences are expected to reverse.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">A tax position is recognized as a benefit only if it is “more likely than <em style="font: inherit;">not”</em> that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than <em style="font: inherit;">50%</em> likely of being realized on examination. For tax positions <em style="font: inherit;">not</em> meeting the “more likely than <em style="font: inherit;">not”</em> test, <em style="font: inherit;">no</em> tax benefit is recorded.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Per share data</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Earnings per share is determined by dividing net income by the weighted average number of shares of common stock outstanding, giving retroactive effect to any stock dividends. Weighted average shares were <b>3,046,377 </b>and 3,018,112<b> </b>for <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> respectively. Diluted earnings per share is derived by dividing net income available by the weighted-average number of shares outstanding, adjusted for the dilutive effect of outstanding common stock equivalents. No potentially dilutive stock equivalents were outstanding at <em style="font: inherit;"> December 31, 2022 </em>or <em style="font: inherit;"> December 31, 2021.</em></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"><em style="font: inherit;"/></p> <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;"><b><i/></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Recent accounting pronouncements</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Management has the responsibility for the selection and use of appropriate accounting policies. The significant accounting policies used by the Company are described in the notes to the consolidated financial statements.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The following accounting guidance has been approved by the FASB and would apply to the Company if the Company entered into an applicable activity.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">During <em style="font: inherit;"> June 2016, </em>the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) <em style="font: inherit;">2016</em>-<em style="font: inherit;">13,</em> “Financial Instruments – Credit Losses (Topic <em style="font: inherit;">326</em>): Measurement of Credit Losses on Financial Instruments.”  The ASU, as amended, requires an entity to measure expected credit losses for financial assets carried at amortized cost based on historical experience, current conditions, and reasonable and supportable forecasts. Among other things, the ASU also amended the impairment model for available for sale securities and addressed purchased financial assets with deterioration.   The Company adopted ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13</em> as of <em style="font: inherit;"> January 1, 2023 </em>in accordance with the required implementation date and recorded the impact of adoption to retained earnings, net of deferred income taxes, as required by the standard. The adjustment recorded at adoption was <em style="font: inherit;">not</em> significant to the overall allowance for credit losses or shareholders’ equity as compared to <em style="font: inherit;"> December 31, 2022 </em>and consisted of adjustments to the allowance for credit losses on loans and held-to-maturity securities, as well as an adjustment to the Company’s reserve for unfunded loan commitments. Subsequent to adoption, the Company will record adjustments to its allowance for credit losses and reserves for unfunded commitments through the provision for credit losses in the consolidated statements of income.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company is utilizing a <em style="font: inherit;">third</em>-party model to tabulate its estimate of current expected credit losses, using an average charge off or loss rate methodology. In accordance with ASC <em style="font: inherit;">326,</em> the Company has segmented its loan portfolio based on similar risk characteristics which included call report categories as well as risk grade. The Company primarily utilizes historical loss rates for the CECL calculation based on Company-specific historical losses and supplemented with peer loss history where applicable.  For its reasonable and supportable forecasting of current expected credit losses, the Company analyzes a simple regression using forecasted economic metrics and historical peer loss data. To further adjust the allowance for credit losses for expected losses <em style="font: inherit;">not</em> already included within the quantitative component of the calculation, the Company <em style="font: inherit;"> may </em>consider the following qualitative adjustment factors: economic conditions, concentrations of credit, interest rates, ability of staff, loan review, trends in loan quality, policy changes, and changes in nature and/or volume of loans. The Company’s CECL implementation process was overseen by the Chief Financial Officer and included an assessment of data availability and gap analysis, data collection, consideration and analysis of multiple loss estimation methodologies, an assessment of relevant qualitative factors and correlation analysis of multiple potential loss drivers and their impact on the Company’s historical loss experience.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In <em style="font: inherit;"> March 2022, </em>FASB issued ASU <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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In <em style="font: inherit;"> March 2020, </em>FASB issued ASU <em style="font: inherit;">2020</em>-<em style="font: inherit;">04,</em> “Reference Rate Reform (Topic <em style="font: inherit;">848</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 an alternative reference rate.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In <em style="font: inherit;"> December 2022, </em>the FASB issued ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">06,</em> “Reference Rate Reform (Topic <em style="font: inherit;">848</em>): Deferral of the Sunset Date of Topic <em style="font: inherit;">848”.</em> ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">06</em> extends the period of time preparers can utilize the reference rate reform relief guidance in Topic <em style="font: inherit;">848.</em> The objective of the guidance in Topic <em style="font: inherit;">848</em> is to provide relief during the temporary transition period, so the FASB included a sunset provision within Topic <em style="font: inherit;">848</em> based on expectations of when the London Interbank Offered Rate (LIBOR) would cease being published. In <em style="font: inherit;">2021,</em> the UK Financial Conduct Authority (FCA) delayed the intended cessation date of certain tenors of USD LIBOR to <em style="font: inherit;"> June 30, 2023. </em>To ensure the relief in Topic <em style="font: inherit;">848</em> covers the period of time during which a significant number of modifications <em style="font: inherit;"> may </em>take place, the ASU defers the sunset date of Topic <em style="font: inherit;">848</em> from <em style="font: inherit;"> December 31, 2022, </em>to <em style="font: inherit;"> December 31, 2024, </em>after which entities will <em style="font: inherit;">no</em> longer be permitted to apply the relief in Topic <em style="font: inherit;">848.</em></p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The ASU is effective for all entities upon issuance. The Company is assessing ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">06</em> and its impact on the Company’s transition away from LIBOR for its loan and other financial instruments. The Company continues to evaluate systems to assist in the transaction to a new rate.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"/> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Principles of consolidation</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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 is a series investment, 100% owned by the Company, in First Community Bankers Insurance Co., LLC, a Tennessee “series” limited liability company and licensed property and casualty insurance company. Intercompany balances and transactions, including insurance premiums paid by the Bank that were received by the Insurance Subsidiary through an intermediary, have been eliminated. Effective <em style="font: inherit;"> October 1, 2020, </em>the Company acquired Carroll Bancorp, Inc. and its wholly-owned subsidiary, Carroll Community Bank (collectively, “Carroll”), both of which were based in Eldersburg, Maryland, through a series of merger transactions (the “Merger”).</p> 1 <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Business</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Bank provides banking services to individuals and businesses located in Baltimore County, Maryland, Carroll County, Maryland and surrounding areas of northern Maryland. The Insurance Subsidiary is a captive insurance entity that provides insurance coverage for the Bank. The Bank chose <em style="font: inherit;">not</em> to renew coverage effective on <em style="font: inherit;"> November 7, 2022, </em>but <em style="font: inherit;"> may </em>do so in the future, The Insurance Subsidiary is still responsible for claims for events that occurred prior to <em style="font: inherit;"> November 7, 2023. </em>Reliable Community Financial Services, Inc. is licensed to provide a wide range of investment and insurance products to its customers, but is inactive.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Reclassifications</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Certain reclassifications have been made to the <em style="font: inherit;">2021</em> financial statements to conform to the current year presentation. These reclassifications had <em style="font: inherit;">no</em> effect on net income or stockholders’ equity.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Cash and cash equivalents</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, money market funds, and federal funds sold. Generally, federal funds are purchased and sold for <em style="font: inherit;">one</em>-day periods.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Comprehensive (loss) income</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">Comprehensive (loss) income includes net income and the unrealized gains or losses on investment securities available for sale, net of income taxes.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Investment securities</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">As debt securities are purchased, management determines if the securities should be classified as held to maturity or available for sale. Securities that management has the intent and ability to hold to maturity are recorded at amortized cost, which is cost adjusted for amortization of premiums and accretion of discounts. Discounts are accreted through maturity. Premiums are amortized through the earliest call date. Securities held to meet liquidity needs or that <em style="font: inherit;"> may </em>be sold before maturity are classified as available for sale and carried at fair value with unrealized gains and losses included in stockholders' equity on an after-tax basis. Gains and losses on disposal are determined using the specific-identification method. The Company amortizes premiums and accretes discounts using the interest method.</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: auto;"><p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin: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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company regularly evaluates its securities whose values have declined below their amortized cost to assess whether the decline in fair value is other-than-temporary. The Company considers various factors in determining whether a decline in fair value is other-than-temporary including the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads, the expected recovery period and other quantitative and qualitative information. The valuation of securities for impairment is a process subject to estimation, judgment and uncertainty and is intended to determine whether declines in the fair value of investments should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions and future changes in assessments of the aforementioned factors. It is expected that such factors will change in the future, which <em style="font: inherit;"> may </em>result in future other-than-temporary impairments. For impairments of debt securities that are deemed to be other-than-temporary, the credit portion of an other-than-temporary impairment loss is recognized in earnings and the non-credit portion is recognized in accumulated other comprehensive income in those situations where the Company does <em style="font: inherit;">not</em> intend to sell the security and it is more likely than <em style="font: inherit;">not</em> that the Company will <em style="font: inherit;">not</em> be required to sell the security prior to recovery.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Equity security at fair value</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company owns a mutual fund that is measured at fair value with changes in fair value recognized in noninterest income.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Restricted stock, at cost</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">         Restricted stock consists of Federal Home Loan Bank of Atlanta (the “FHLB”) stock, Community Bankers Bank (“CBB”) stock, and Atlantic Community Bankers Bank (“ACBB”) stock. As a member of the FHLB, the Bank is required to purchase FHLB stock in an amount that is based on the Bank’s total assets. Additional stock is purchased and redeemed based on the outstanding FHLB advances to the Bank. CBB and ACBB require its correspondent banking institutions to hold stock as a condition of membership. The restricted investment in bank stocks is carried at cost. On a quarterly basis, management evaluates the bank stocks for impairment based on assessment of the ultimate recoverability of cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of cost is influenced by criteria such as operating performance, liquidity, funding and capital positions, stock repurchase history, dividend history, and impact of legislative and regulatory changes.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Loans and allowance for loan losses</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans are stated at the current amount of unpaid principal, adjusted for deferred origination costs, deferred origination fees, premiums and discounts on acquired loans, and the allowance for loan losses. Interest on loans is accrued based on the principal amounts outstanding. Origination fees and costs, along with premiums and accretable discounts, are amortized to income over the terms of loans.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Past due status is based on the contractual terms of the loan. Management <em style="font: inherit;"> may </em>make an exception to reporting a loan as past due, if the past due status is solely due to the loan being past maturity, the Company intends to extend the loan, and the borrower is making principal and interest payments in accordance with the terms of the matured note. The accrual of interest is discontinued when any portion of the principal or interest is <em style="font: inherit;">90</em> days past due and collateral is insufficient to discharge the debt in full. If collection of principal is evaluated as doubtful, all payments are applied to principal. Loans are considered impaired when, based on current information, management considers it unlikely that the collection of principal and interest payments will be made according to contractual terms when due. Generally, loans are <em style="font: inherit;">not</em> reviewed for impairment until the accrual of interest has been discontinued, the loans are included on the watch list, or the loans are troubled debt restructurings (“TDRs”).</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: auto;"><p style="font-family: 'Times New Roman', Times, serif;font-size: 10pt;font-variant:normal;margin: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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The allowance for loan losses represents an amount which, in management’s judgment, will be adequate to absorb probable and estimable losses on existing loans and other extensions of credit that <em style="font: inherit;"> may </em>become uncollectible. The Company’s allowance for loan losses consists of <em style="font: inherit;">three</em> elements: (i) segregating the loan portfolio into pools based upon similar characteristics and risk profiles and applying a loss factor to the pools, based on historical losses within those pools; (ii) applying qualitative factors to the loan pools that consider economic and other factors, both internal and external, affecting the Company and the pools; and (iii) determining specific reserves based on individual evaluation of impaired loans that are <em style="font: inherit;">not</em> included in the pools discussed above.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The allowances established for probable and estimable losses on impaired loans are based on a regular analysis and evaluation of problem loans. Management maintains a watch list of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the borrower’s ability to repay; (ii) the underlying collateral, if any; (iii) the economic environment; and (iv) for commercial borrowers, the industry in which the borrower operates. Specific valuation allowances are determined when the collateral value, if the loan is collateral dependent, or the discounted cash flows of the impaired loan is lower than the carrying value.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Historical valuation allowances are calculated based on the historical loss experience of specific types of loans. The Company calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual charge-offs experienced to the total population of loans in the pool over the prior <em style="font: inherit;">twenty</em> quarters. The historical loss ratios are updated quarterly based on actual charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the annual historical loss ratio and the total dollar amount of the loans in the pool.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Adjustments to the historical valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Company. In general, such adjustments are determined by evaluating, among other things: (i) the impact of economic conditions on the portfolio; (ii) changes in asset quality, including delinquency trends; (iii) the impact of changing interest rates on portfolio risk; (iv) changes in legislative and regulatory policy; (v) the composition and concentrations of credit; and (vi) the effectiveness of the internal loan review function as well as changes to policies and experience of loan personnel. Management evaluates these qualitative factors on a quarterly basis. Each factor could result in an adjustment that is positive, negative, or <em style="font: inherit;">no</em> impact.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loan losses are charged to the allowance when management believes that collection is unlikely. Collections of loans previously charged off are added to the allowance at the time of recovery.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans acquired in connection with business combinations are recorded at fair value with <em style="font: inherit;">no</em> carryover of any allowance for loan losses. Fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans acquired through business combinations that are designated as purchase credit impaired loans because they meet the specific criteria of Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) <em style="font: inherit;">310</em>-<em style="font: inherit;">30,</em> Loans and Debt Securities Acquired with Deteriorated Credit Quality are individually evaluated each period to recast expected cash flows. To the extent that the expected cash flows of a loan have decreased due to credit deterioration, the Company establishes an allowance.</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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </td></tr> </tbody></table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:36pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loan. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. These loans are accounted for under ASC <em style="font: inherit;">310</em>-<em style="font: inherit;">30.</em> The nonaccretable difference includes estimated future credit losses expected to be incurred over the life of the loan. Subsequent decreases in expected cash flows will require us to evaluate the need for an addition to the allowance for loan losses. Subsequent improvement in expected cash flows will result in the transfer of a corresponding amount of the nonaccretable difference, which we will then reclassify as accretable discount to be recognized into interest income over the remaining life of the loan.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans acquired through business combinations that do <em style="font: inherit;">not</em> meet the specific criteria of ASC <em style="font: inherit;">310</em>-<em style="font: inherit;">30</em> are accounted for under ASC <em style="font: inherit;">310</em>-<em style="font: inherit;">20,</em> Receivables - Nonrefundable Fees and Other Costs. These loans are initially recorded at fair value, and include credit and interest rate marks associated with acquisition accounting adjustments. Purchase premiums or discounts are subsequently amortized as an adjustment to yield over the estimated contractual lives of the loans. There is <em style="font: inherit;">no</em> allowance for loan losses established at the acquisition date for acquired performing loans. Subsequent to acquisition, a quarterly comparison of the remaining fair value discount to the required allowance under appropriate methodology is performed. If the fair value discount remains in excess of the required allowance, then <em style="font: inherit;">no</em> adjustment is made. If the fair value falls below the required reserve, then a charge to the provision is recorded for the shortfall as part of the allowance for loan losses.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Mortgage loans held for sale and mortgage banking income</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Mortgage loans held for sale are carried at the lower of aggregate cost or fair value based on the current fair value of each outstanding loan. Sales of loans are recorded when the proceeds are received, with any gain or loss recorded in mortgage banking income.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company sells its mortgage loans to <em style="font: inherit;">third</em> party investors with servicing released. Upon sale and delivery, loans are legally isolated from the Company and the Company has <em style="font: inherit;">no</em> ability to restrict or constrain the ability of <em style="font: inherit;">third</em> party investors to pledge or exchange the mortgage loans. The Company does <em style="font: inherit;">not</em> have the entitlement or ability to repurchase the mortgage loans or unilaterally cause <em style="font: inherit;">third</em> party investors to put the mortgage loans back to the Company.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Premises and equipment</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Land is carried at cost. Premises and equipment are recorded at cost less accumulated depreciation and amortization. Depreciation on buildings and equipment is computed over the estimated useful lives of the assets using the straight-line method. Leasehold improvements are amortized using the straight-line method over the term of the lease or the estimated useful lives of the asset, whichever is shorter.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Other real estate owned</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Real estate acquired through foreclosure or by deed in lieu of foreclosure is recorded at fair value less estimated costs to sell on the date acquired establishing a new cost basis. Losses          incurred at the time of acquisition of the property are charged to the allowance for loan losses. Subsequent reductions in the estimated value of the property are included with any gains or losses on sale in noninterest expense.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Bank owned life insurance</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Goodwill and other intangible assets</i></b><i> </i></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Goodwill is calculated as the purchase premium, if any, after adjusting for the fair value of net assets acquired in purchase transactions. Goodwill is <em style="font: inherit;">not</em> amortized but is reviewed for potential impairment on at least an annual basis, with testing between annual evaluation if an event occurs or circumstances change that could potentially reduce the fair value of a reporting unit. Other intangible assets represent purchased assets that can be distinguished from goodwill because of contractual or other legal rights. The Company’s other intangible asset, core deposit intangible (“CDI”) has a finite life and is amortized over <em style="font: inherit;">10</em> years on a straight line basis, which is believed to be substantially the same as the interest method.</p> <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;"><b><i>Revenue recognition</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">ASC Topic <em style="font: inherit;">606</em> does <em style="font: inherit;">not</em> apply to revenue associated with the financial instruments, including revenue from loans and securities. The Company’s services that fall within the scope of Topic <em style="font: inherit;">606</em> are presented within noninterest income and are recognized as revenue as the Company satisfies its obligation to the customer. A description of the Company’s noninterest revenue streams is discussed below:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"><span style="text-decoration: underline; ">Service Charges on Deposit Accounts:</span> The Company earns fees from its deposit customers for overdraft, monthly service fees, and other deposit account related fees. Overdraft fees are recognized when the overdraft occurs. The Company's performance obligation for monthly service fees is generally satisfied over the period in which the service is provided. Other deposit account related fees are largely transactional based, and therefore, the Company's performance obligation is satisfied, and related revenue recognized, at a point in time.                  </p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"><span style="text-decoration: underline; ">Interchange Income</span>: The Company earns interchange fees from debit cardholder transactions conducted through various payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services. The Company's analysis of its relationship with its interchange debit card provider is agent based. As a result, income from debit cardholder transactions is presented net against expenses paid to the interchange debit card provider in service charges on deposit accounts on the consolidated statements of income.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"><span style="text-decoration: underline; ">Other Service Charges and Fees:</span> The Company earns fees from its customers for transaction-based services. Services include, safe deposit box, debit/ATM card income, cashier's check, stop payment and wire transfer fees. In each case, these fees and service charges are recognized in income at the time or within the same period that the services are rendered.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Operating leases</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company accounts for lease obligations in accordance with FASB Accounting Standards Update (“ASU”) <em style="font: inherit;">2016</em>-<em style="font: inherit;">02,</em> “Leases (Topic <em style="font: inherit;">842</em>).” Among other things, in the amendments in ASU <em style="font: inherit;">2016‑02,</em> lessees are required to recognize the following for all leases (with the exception of qualifying short‑term leases) at the commencement date: (i) a lease liability, which is a lessee’s obligation to make lease payments arising from a lease, measured on a discounted basis; and (ii) a right‑of‑use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. The Company has determined it has <em style="font: inherit;">no</em> financing or sales type leases as of the balance sheet date.</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;margin:0pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Advertising costs</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Advertising costs are expensed in the period incurred and totaled $<b>258,032</b> and $233,358 for the years ended <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> respectively.</p> 258032 233358 <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Income taxes</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The provision for income taxes includes income taxes payable for the current year and deferred income taxes. Deferred tax assets and liabilities are determined based on the difference between the financial statement basis and tax basis of assets and liabilities using enacted tax rates in effect for the year in which the differences are expected to reverse.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">A tax position is recognized as a benefit only if it is “more likely than <em style="font: inherit;">not”</em> that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than <em style="font: inherit;">50%</em> likely of being realized on examination. For tax positions <em style="font: inherit;">not</em> meeting the “more likely than <em style="font: inherit;">not”</em> test, <em style="font: inherit;">no</em> tax benefit is recorded.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"/> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Per share data</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Earnings per share is determined by dividing net income by the weighted average number of shares of common stock outstanding, giving retroactive effect to any stock dividends. Weighted average shares were <b>3,046,377 </b>and 3,018,112<b> </b>for <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> respectively. Diluted earnings per share is derived by dividing net income available by the weighted-average number of shares outstanding, adjusted for the dilutive effect of outstanding common stock equivalents. No potentially dilutive stock equivalents were outstanding at <em style="font: inherit;"> December 31, 2022 </em>or <em style="font: inherit;"> December 31, 2021.</em></p> 3046377 3018112 0 <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Recent accounting pronouncements</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Management has the responsibility for the selection and use of appropriate accounting policies. The significant accounting policies used by the Company are described in the notes to the consolidated financial statements.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The following accounting guidance has been approved by the FASB and would apply to the Company if the Company entered into an applicable activity.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">During <em style="font: inherit;"> June 2016, </em>the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) <em style="font: inherit;">2016</em>-<em style="font: inherit;">13,</em> “Financial Instruments – Credit Losses (Topic <em style="font: inherit;">326</em>): Measurement of Credit Losses on Financial Instruments.”  The ASU, as amended, requires an entity to measure expected credit losses for financial assets carried at amortized cost based on historical experience, current conditions, and reasonable and supportable forecasts. Among other things, the ASU also amended the impairment model for available for sale securities and addressed purchased financial assets with deterioration.   The Company adopted ASU <em style="font: inherit;">2016</em>-<em style="font: inherit;">13</em> as of <em style="font: inherit;"> January 1, 2023 </em>in accordance with the required implementation date and recorded the impact of adoption to retained earnings, net of deferred income taxes, as required by the standard. The adjustment recorded at adoption was <em style="font: inherit;">not</em> significant to the overall allowance for credit losses or shareholders’ equity as compared to <em style="font: inherit;"> December 31, 2022 </em>and consisted of adjustments to the allowance for credit losses on loans and held-to-maturity securities, as well as an adjustment to the Company’s reserve for unfunded loan commitments. Subsequent to adoption, the Company will record adjustments to its allowance for credit losses and reserves for unfunded commitments through the provision for credit losses in the consolidated statements of income.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company is utilizing a <em style="font: inherit;">third</em>-party model to tabulate its estimate of current expected credit losses, using an average charge off or loss rate methodology. In accordance with ASC <em style="font: inherit;">326,</em> the Company has segmented its loan portfolio based on similar risk characteristics which included call report categories as well as risk grade. The Company primarily utilizes historical loss rates for the CECL calculation based on Company-specific historical losses and supplemented with peer loss history where applicable.  For its reasonable and supportable forecasting of current expected credit losses, the Company analyzes a simple regression using forecasted economic metrics and historical peer loss data. To further adjust the allowance for credit losses for expected losses <em style="font: inherit;">not</em> already included within the quantitative component of the calculation, the Company <em style="font: inherit;"> may </em>consider the following qualitative adjustment factors: economic conditions, concentrations of credit, interest rates, ability of staff, loan review, trends in loan quality, policy changes, and changes in nature and/or volume of loans. The Company’s CECL implementation process was overseen by the Chief Financial Officer and included an assessment of data availability and gap analysis, data collection, consideration and analysis of multiple loss estimation methodologies, an assessment of relevant qualitative factors and correlation analysis of multiple potential loss drivers and their impact on the Company’s historical loss experience.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In <em style="font: inherit;"> March 2022, </em>FASB issued ASU <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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In <em style="font: inherit;"> March 2020, </em>FASB issued ASU <em style="font: inherit;">2020</em>-<em style="font: inherit;">04,</em> “Reference Rate Reform (Topic <em style="font: inherit;">848</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 an alternative reference rate.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In <em style="font: inherit;"> December 2022, </em>the FASB issued ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">06,</em> “Reference Rate Reform (Topic <em style="font: inherit;">848</em>): Deferral of the Sunset Date of Topic <em style="font: inherit;">848”.</em> ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">06</em> extends the period of time preparers can utilize the reference rate reform relief guidance in Topic <em style="font: inherit;">848.</em> The objective of the guidance in Topic <em style="font: inherit;">848</em> is to provide relief during the temporary transition period, so the FASB included a sunset provision within Topic <em style="font: inherit;">848</em> based on expectations of when the London Interbank Offered Rate (LIBOR) would cease being published. In <em style="font: inherit;">2021,</em> the UK Financial Conduct Authority (FCA) delayed the intended cessation date of certain tenors of USD LIBOR to <em style="font: inherit;"> June 30, 2023. </em>To ensure the relief in Topic <em style="font: inherit;">848</em> covers the period of time during which a significant number of modifications <em style="font: inherit;"> may </em>take place, the ASU defers the sunset date of Topic <em style="font: inherit;">848</em> from <em style="font: inherit;"> December 31, 2022, </em>to <em style="font: inherit;"> December 31, 2024, </em>after which entities will <em style="font: inherit;">no</em> longer be permitted to apply the relief in Topic <em style="font: inherit;">848.</em></p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The ASU is effective for all entities upon issuance. The Company is assessing ASU <em style="font: inherit;">2022</em>-<em style="font: inherit;">06</em> and its impact on the Company’s transition away from LIBOR for its loan and other financial instruments. The Company continues to evaluate systems to assist in the transaction to a new rate.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: justify; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">2.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: justify; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Cash and Cash Equivalents</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company normally carries balances with other banks that exceed the federally insured limit.  The average balance carried in excess of the limit, including unsecured federal funds sold to the same banks, was $<b>11,945,635 </b>and $7,549,531 during the years ended <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> respectively.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Deposits held in noninterest-bearing transaction accounts are aggregated with any interest-bearing deposits the owner <em style="font: inherit;"> may </em>hold in the same category. The combined total is insured up to <em style="font: inherit;">$250,000.</em></p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Banks are required to carry noninterest-bearing cash reserves of specified percentages of deposit balances. The Company's normal balances of cash on hand and on deposit with other banks are sufficient to satisfy the reserve requirements. The FRB reserve requirement was <em style="font: inherit;">$0</em> at <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021.</em></p> 11945635 7549531 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">3.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Investment Securities</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-align: justify;">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="width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 36pt; 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;"> </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: 52%; 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, 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; 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;"> <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; 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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; 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;"> <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;"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>570,122</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>17,841</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>552,281</b></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;"> <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;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,033,606</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,425</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>15,234</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,019,797</b></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;"> <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;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>10,414,146</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,024,250</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>9,389,896</b></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;"> <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);"><b> </b></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;"><b>137,896,519</b></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);"><b> </b></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;"><b>-</b></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);"><b> </b></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;"><b>22,544,044</b></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);"><b> </b></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;"><b>115,352,475</b></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;"> </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);"><b>$</b></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);"><b>149,914,393</b></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);"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>1,425</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>23,601,369</b></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);"><b>$</b></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);"><b>126,314,449</b></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(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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; 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;"> <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; 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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; 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;"> <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);"><b>$</b></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);"><b>20,508,997</b></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);"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>4,176</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>1,633,378</b></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);"><b>$</b></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);"><b>18,879,795</b></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(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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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;"><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 style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="text-align: center; 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 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 style="text-align: center; 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 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 style="text-align: center; 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 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 style="text-align: center; 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; 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;"><i>Available for sale</i></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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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: 9%; 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;">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">10,437</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 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;">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: 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;">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: 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;">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: 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;">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: 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);">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);">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">412,772</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 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);">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: 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);">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;"><i>Held to maturity</i></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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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: 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);">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);">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,020,877</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 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);">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: 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);">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> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 44%; 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;">December 31, 2022</p> </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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>580,522</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>564,841</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>330,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>330,175</b></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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,079,483</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,937,072</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>474,937</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>469,235</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>7,324,263</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>6,440,264</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,308,340</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,162,389</b></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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>16,395,720</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>14,917,996</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>10,984,268</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>9,942,177</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>20,508,997</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>18,879,795</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Mortgage-backed securities and SBA pools, due in monthly installments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>138,930,125</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>116,372,272</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </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);"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>149,914,393</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>126,314,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>20,508,997</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>18,879,795</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Securities with a carrying value of <b>$24,258,980 </b>and $14,307,989 as of <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> respectively, were          pledged as collateral for securities sold under repurchase agreements and other collateralized deposits.</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;text-indent:9pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The following table sets forth the Company's gross unrealized losses on a continuous basis for investment securities, by category and length of time.</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 cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 36pt; width: 90%; 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; width: 28%; 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, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Less than 12 months</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">12 months or more</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <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: 28%;"> </td><td style="font-family: &quot;Times New Roman&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;">Unrealized</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 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;">Unrealized</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 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;">Unrealized</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; border-bottom: 1px solid rgb(0, 0, 0); width: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of investments</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;">Fair value</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;">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); 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;">Fair value</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;">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); 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;">Fair value</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;">losses</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: 28%;"> </td><td style="font-family: &quot;Times New Roman&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><td style="font-family: &quot;Times New Roman&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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>13,668,676</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>1,057,412</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>1,537,715</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>593,807</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>15,206,391</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>1,651,219</b></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>857,259</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>15,234</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>857,259</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>15,234</b></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>4,184,875</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>356,746</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>4,805,021</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>667,504</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>8,989,896</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>1,024,250</b></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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);"><b> </b></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;"><b>25,284,430</b></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);"><b> </b></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;"><b>2,293,151</b></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);"><b> </b></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;"><b>90,068,045</b></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);"><b> </b></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;"><b>20,250,893</b></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);"><b> </b></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;"><b>115,352,475</b></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);"><b> </b></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;"><b>22,544,044</b></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Total</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);"><b>$</b></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);"><b>43,137,981</b></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);"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>3,707,309</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>97,268,040</b></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);"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>21,527,438</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>140,406,021</b></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);"><b>$</b></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);"><b>25,234,747</b></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> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </td></tr> </tbody></table> <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: 90%; 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; width: 28%; 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 style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Less than 12 months</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">12 months or more</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <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: 28%;"> </td><td style="font-family: &quot;Times New Roman&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;">Unrealized</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 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;">Unrealized</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 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;">Unrealized</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; border-bottom: 1px solid rgb(0, 0, 0); width: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of investments</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;">Fair value</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;">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); 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;">Fair value</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;">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); 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;">Fair value</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;">losses</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: 28%;"> </td><td style="font-family: &quot;Times New Roman&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><td style="font-family: &quot;Times New Roman&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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,324,648</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">35,720</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">715,650</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">31,531</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">2,040,298</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">67,251</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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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: 9%; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 9%; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,133,398</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,133,398</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">22,664</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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5,443,886</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 9%; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 9%; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5,443,886</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">55,541</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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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: 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;">117,840,965</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;">2,034,858</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;">4,781,586</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;">224,222</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;">122,622,551</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;">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></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Total</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: 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);">124,609,499</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);">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,126,119</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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);">6,630,634</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);">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">278,417</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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);">131,240,133</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);">2,404,536</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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Management has the ability and intent to hold securities classified as held to maturity until they mature, at which time the Company should receive full value for the securities. As of <em style="font: inherit;"> December 31, 2022, </em>management did <em style="font: inherit;">not</em> have the intent to sell any of the securities before a recovery of cost. The unrealized losses are 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 investment 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 these factors, as of <em style="font: inherit;"> December 31, 2022, </em>management believes the unrealized losses detailed in the table above are temporary and, accordingly, <em style="font: inherit;">none</em> of these unrealized losses have been recognized in the Company’s consolidated statement of income.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In <em style="font: inherit;">2022,</em> there were no security sales.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In <em style="font: inherit;">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> <table cellpadding="0" cellspacing="0" class="finTable" style="width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 36pt; 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;"> </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: 52%; 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, 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; 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;"> <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; 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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; 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;"> <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;"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>570,122</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>17,841</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>552,281</b></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;"> <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;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,033,606</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,425</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>15,234</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,019,797</b></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;"> <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;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>10,414,146</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,024,250</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>9,389,896</b></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;"> <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);"><b> </b></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;"><b>137,896,519</b></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);"><b> </b></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;"><b>-</b></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);"><b> </b></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;"><b>22,544,044</b></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);"><b> </b></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;"><b>115,352,475</b></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;"> </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);"><b>$</b></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);"><b>149,914,393</b></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);"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>1,425</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>23,601,369</b></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);"><b>$</b></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);"><b>126,314,449</b></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(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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; 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;"> <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; 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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; 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;"> <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);"><b>$</b></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);"><b>20,508,997</b></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);"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>4,176</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>1,633,378</b></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);"><b>$</b></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);"><b>18,879,795</b></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(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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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;"><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 style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="text-align: center; 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 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 style="text-align: center; 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 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 style="text-align: center; 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 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 style="text-align: center; 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; 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;"><i>Available for sale</i></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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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: 9%; 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;">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">10,437</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 9%; 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: 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;">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: 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;">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: 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;">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: 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;">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: 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);">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);">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">412,772</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 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);">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: 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);">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;"><i>Held to maturity</i></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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </i></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><i> </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: 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);">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);">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">1,020,877</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 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);">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: 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);">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> 570122 0 17841 552281 1033606 1425 15234 1019797 10414146 0 1024250 9389896 137896519 0 22544044 115352475 149914393 1425 23601369 126314449 20508997 4176 1633378 18879795 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: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 44%; 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;">December 31, 2022</p> </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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>580,522</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>564,841</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>330,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>330,175</b></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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,079,483</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,937,072</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>474,937</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>469,235</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>7,324,263</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>6,440,264</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,308,340</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,162,389</b></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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>16,395,720</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>14,917,996</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>10,984,268</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>9,942,177</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>20,508,997</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>18,879,795</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Mortgage-backed securities and SBA pools, due in monthly installments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>138,930,125</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>116,372,272</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </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);"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>149,914,393</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>126,314,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>20,508,997</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>18,879,795</b></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> 580522 564841 330000 330175 3079483 2937072 474937 469235 7324263 6440264 3308340 3162389 0 0 16395720 14917996 10984268 9942177 20508997 18879795 138930125 116372272 0 0 149914393 126314449 20508997 18879795 24258980 14307989 <table cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 36pt; width: 90%; 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; width: 28%; 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, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Less than 12 months</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">12 months or more</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <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: 28%;"> </td><td style="font-family: &quot;Times New Roman&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;">Unrealized</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 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;">Unrealized</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 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;">Unrealized</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; border-bottom: 1px solid rgb(0, 0, 0); width: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of investments</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;">Fair value</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;">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); 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;">Fair value</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;">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); 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;">Fair value</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;">losses</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: 28%;"> </td><td style="font-family: &quot;Times New Roman&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><td style="font-family: &quot;Times New Roman&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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>13,668,676</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>1,057,412</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>1,537,715</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>593,807</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>15,206,391</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>1,651,219</b></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>857,259</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>15,234</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>857,259</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>15,234</b></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>4,184,875</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>356,746</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>4,805,021</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>667,504</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>8,989,896</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>1,024,250</b></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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);"><b> </b></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;"><b>25,284,430</b></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);"><b> </b></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;"><b>2,293,151</b></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);"><b> </b></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;"><b>90,068,045</b></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);"><b> </b></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;"><b>20,250,893</b></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);"><b> </b></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;"><b>115,352,475</b></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);"><b> </b></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;"><b>22,544,044</b></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Total</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);"><b>$</b></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);"><b>43,137,981</b></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);"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>3,707,309</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>97,268,040</b></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);"><b>$</b></td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>21,527,438</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>140,406,021</b></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);"><b>$</b></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);"><b>25,234,747</b></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: 90%; 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; width: 28%; 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 style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Less than 12 months</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">12 months or more</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 1px; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" 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: 13%;"> <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: 28%;"> </td><td style="font-family: &quot;Times New Roman&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;">Unrealized</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 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;">Unrealized</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 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;">Unrealized</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; border-bottom: 1px solid rgb(0, 0, 0); width: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of investments</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;">Fair value</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;">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); 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;">Fair value</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;">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); 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;">Fair value</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;">losses</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: 28%;"> </td><td style="font-family: &quot;Times New Roman&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><td style="font-family: &quot;Times New Roman&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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,324,648</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">35,720</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">715,650</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">31,531</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">2,040,298</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">67,251</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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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: 9%; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 9%; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,133,398</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">1,133,398</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">22,664</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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5,443,886</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 9%; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 9%; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">5,443,886</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">55,541</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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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: 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;">117,840,965</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;">2,034,858</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;">4,781,586</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;">224,222</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;">122,622,551</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;">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></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: 28%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Total</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: 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);">124,609,499</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);">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,126,119</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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);">6,630,634</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);">$</td><td style="width: 9%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">278,417</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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);">131,240,133</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);">2,404,536</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> 13668676 1057412 1537715 593807 15206391 1651219 0 0 857259 15234 857259 15234 4184875 356746 4805021 667504 8989896 1024250 25284430 2293151 90068045 20250893 115352475 22544044 43137981 3707309 97268040 21527438 140406021 25234747 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 0 1263845 9190 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b><em style="font: inherit;">4.</em> </b></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Related Party Transactions</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Certain executive officers and directors of the Company, including members of their immediate families and companies in which they are significant owners (more than <em style="font: inherit;">10%</em>), were indebted to the Company during <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021.</em> The loans were made on the same terms, including interest rates and collateral, as those prevailing at the time for comparable loans with borrowers who are <em style="font: inherit;">not</em> related to the Company. During the years ended <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> the activity of these loans was 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%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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></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: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance, beginning of year</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>13,822,556</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">14,558,882</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Additions</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,274,719</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">2,489,000</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Amounts collected</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>(4,869,554</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(3,225,326</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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance, end of year</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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>12,227,721</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">13,822,556</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Unused lines of credit to related parties totaled <b>$208,100</b> and $143,000 at <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> respectively.</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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b/></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Letters of credit issued to related parties totaled $<b>15,847</b> and $0 at <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> respectively.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Deposits at the Company from related parties totaled <b>$10,138,362</b> and $27,187,933 at <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> respectively.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:18pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Payments to companies controlled by directors totaled <b>$54,624</b> in <em style="font: inherit;">2022</em> and $40,754 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">On <em style="font: inherit;"> March 31, 2021, </em>a company of which <em style="font: inherit;">one</em> of the Company’s directors is a co-owner purchased real property from the Company that was acquired in the Merger and on which Carroll previously operated a branch, resulting in net proceeds of $1,359,613. To finance the purchase of this real property, the Company made a loan to the buyer in the principal amount of approximately $1,096,000.</p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">2021</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance, beginning of year</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>13,822,556</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">14,558,882</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Additions</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,274,719</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">2,489,000</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Amounts collected</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>(4,869,554</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">(3,225,326</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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance, end of year</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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>12,227,721</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">13,822,556</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> 13822556 14558882 3274719 2489000 4869554 3225326 12227721 13822556 208100 143000 15847 0 10138362 27187933 54624 40754 1359613 1096000 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">5.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Loans</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">Major categories of loans at <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021</em> 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: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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></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: 66%;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>351,794,702</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">319,185,116</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>23,978,373</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">28,221,854</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>114,683,149</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">107,436,033</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>31,066,497</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">31,182,206</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>156,422</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>521,679,143</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">486,381,167</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>4,150,198</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">3,650,268</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Deferred origination fees net of costs</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>608,405</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>516,920,540</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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: &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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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;"> December 31, 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”). There were no PPP loans originated in <em style="font: inherit;">2022</em> compared to $22 million originated during <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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">Year-end 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: 20%; margin-left: 36pt; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></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: &quot;Times New Roman&quot;; 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;"><b><b>2021</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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></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: 62%;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>502,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">4,810,965</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">31,500</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 style="font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 16%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; 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;; 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);"><b>$</b></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);"><b>655,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">4,994,914</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> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b/></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">At <em style="font: inherit;"> December 31, 2022, </em>the Company had <span style="-sec-ix-hidden:c94659590">one</span> non-accrual commercial real estate loan totaling $502,961 and <span style="-sec-ix-hidden:c94659592">one</span> non-accrual commercial loan totaling $152,449. The commercial loan was secured by business assets and was personally guaranteed. Gross interest income of $45,856 would have been recorded in <em style="font: inherit;">2022</em> if these non-accrual loans had been current and performing in accordance with the original terms. The Company allocated $281,910 of its allowance for loan losses to these non-accrual loans.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">At <em style="font: inherit;"> December 31, 2021, </em>the Company had <span style="-sec-ix-hidden:c94659597">two</span> non-accrual commercial real estate loan totaling $4,810,965, <span style="-sec-ix-hidden:c94659599">one</span> non-accrual residential real estate loans totaling $31,500, and <span style="-sec-ix-hidden:c94659601">one</span> non-accrual commercial loan totaling $152,449. The real estate loan was secured by real estate and business assets and was 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 non-accrual loans had been current and performing in accordance with the original terms. The Company allocated $281,910 of its allowance for loan losses to these non-accrual loans. The balance of the non-accrual 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">An age analysis of past due loans, segregated by class of loans, as of year-end, 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: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt; margin-right: 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;"> </td><td style="font-family: &quot;Times New Roman&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="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;">90 Days</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 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 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="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;">Past Due 90</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;"> </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; width: 0%; padding: 0px;"> <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;"> </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; width: 0%; padding: 0px;"> <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;"> </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;"><em style="font: inherit;">or More</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="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;"><em style="font: inherit;">Total</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 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="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;"><em style="font: inherit;">Total</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="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 0%; padding: 0px;"> <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;"> </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 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 black;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black; width: 0%; padding: 0px;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black; width: 0%; padding: 0px;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black;"> <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;"> </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; margin-left: 0pt; width: 30%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2022</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 style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 0pt;"> <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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 9pt;"> <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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>502,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>502,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>351,291,741</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>351,794,702</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></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; margin-left: 9pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>23,978,373</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>23,978,373</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></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; margin-left: 9pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>311,409</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>311,409</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>114,371,740</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>114,683,149</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></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; margin-left: 0pt;"> <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;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>30,914,048</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>31,066,497</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></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; margin-left: 0pt;"> <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;"> </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);"><b> </b></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);"><b>-</b></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);"><b> </b></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);"><b>-</b></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);"><b> </b></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);"><b>-</b></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);"><b> </b></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);"><b>-</b></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);"><b> </b></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);"><b>156,422</b></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);"><b> </b></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);"><b>156,422</b></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);"><b> </b></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);"><b>-</b></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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 9pt;"> <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;"> </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);"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>311,409</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>655,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>966,819</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>520,712,324</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>521,679,143</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; 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><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 0pt;"> <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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 0pt;"> <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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 9pt;"> <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;"> </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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">502,961</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">319,185,116</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</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; margin-left: 9pt;"> <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: 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: 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: 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: 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: 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><td style="width: 1%; font-family: &quot;Times New 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><td style="width: 1%; font-family: &quot;Times New 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></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; margin-left: 9pt;"> <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: 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: 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: 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;">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: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 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><td style="width: 1%; font-family: &quot;Times New 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;">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; 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; margin-left: 0pt;"> <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;"> </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: 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: 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;">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: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 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><td style="width: 1%; font-family: &quot;Times New 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;">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; 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; margin-left: 0pt;"> <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;"> </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;"> </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;"> </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;"> </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;"> </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><td style="width: 1%; font-family: &quot;Times New 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><td style="width: 1%; font-family: &quot;Times New 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></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; margin-left: 9pt;"> <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;"> </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);">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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);">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,167,812</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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);">1,167,812</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">485,213,355</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; 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);">480,902</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </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-indent: 18pt;">Year-end impaired loans, segregated by class of loans, 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="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 30%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>7,019,415</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>6,516,454</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>502,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>7,019,415</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>129,461</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>6,920,174</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>223,476</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>256,350</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>256,350</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>256,350</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>147,789</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>10,594</b></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 style="font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </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);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>7,428,214</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>6,772,804</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>655,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>7,428,214</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>281,910</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>7,220,412</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>234,070</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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><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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,317,971</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">129,461</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,740,539</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">125,079</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">41,981</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,672</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,357,199</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">655,410</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">281,910</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,858,745</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Impaired loans include certain loans, classified as TDRs that have been modified to grant economic concessions to borrowers who have experienced or are expected to experience 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">At <em style="font: inherit;"> December 31, 2022, </em>the Company had <b><span style="-sec-ix-hidden:c94659610">two</span></b> commercial real estate loans totaling <b>$6,516,454 </b>and <b>two</b> residential loans totaling<b> $256,350</b> that were classified as TDRs. All <em style="font: inherit;">four</em> loans are included in impaired loans above. Each loan is paying as agreed. <span style="-sec-ix-hidden:c94659615">None</span> of the borrowers has defaulted nor have there been charge-offs or allowances associated with the <em style="font: inherit;">four</em> loans. One of the commercial real estate loans with a principal balance of $<b>4,542,896 </b>and one of the residential loans with a principal balance of $<b>222,767</b> were restructured as TDRs during <em style="font: inherit;">2022.</em></p> <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-indent: 18pt;">At <em style="font: inherit;"> December 31, 2021, </em>the Company had <span style="-sec-ix-hidden:c94659622"><span style="-sec-ix-hidden:c94659617">one</span></span> commercial real estate loan totaling $2,009,967 and one residential loan totaling $39,228 classified as TDRs. Both loans are included in impaired loans above. Each loan is paying as agreed. None of the borrowers has defaulted nor have there been charge-offs or allowances associated with the <em style="font: inherit;">two</em> loans. There were <span style="-sec-ix-hidden:c94659628">no</span> new TDRs in <em style="font: inherit;">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" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </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-indent: 18pt;">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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Pass/Watch</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans graded as Pass/Watch 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Special Mention</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">A special mention loan 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 Bank'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 Bank to sufficient risk to warrant adverse classification. This classification is intended to be temporary while the Bank learns more about the condition of the borrower and the collateral.</p> <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-indent: 18pt;">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;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><b><i>Substandard</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Borrowers <em style="font: inherit;"> may </em>exhibit recent or unexpected unprofitable operations, an inadequate debt service coverage ratio, or marginal liquidity and capitalization. These loans require more intense supervision by Bank management.</p> <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;"><b><i>Doubtful</i></b></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">A doubtful loan has all the weaknesses inherent as a substandard loan with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.</p> <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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </td></tr> </tbody></table> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt 0pt 0pt 27pt;text-indent:-27pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans by credit grade, segregated by loan type, at year-end, 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="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt; margin-right: 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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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;">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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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;">Pass</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;">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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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, 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); 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;">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 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 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 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 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 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 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 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 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: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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; background-color: rgb(204, 238, 255);"><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: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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; background-color: rgb(255, 255, 255);"><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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>65,908,980</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>201,854,424</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>70,826,837</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,558,954</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>9,645,507</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>351,794,702</b></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,845,351</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>12,087,402</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>8,045,620</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>23,978,373</b></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>15,613</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>573,108</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>35,774,807</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>63,833,864</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>10,815,681</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,397,282</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,272,794</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>114,683,149</b></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>178,916</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>4,347,337</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>16,039,145</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>9,773,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>574,689</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>31,066,497</b></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; 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;"> </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);"><b> </b></td><td style="width: 6%; 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;"><b>722</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>15,715</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>93,684</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>4,439</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>6,481</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>-</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>-</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>35,381</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>156,422</b></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; width: 19%;"> </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);"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>195,251</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 6%; 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);"><b>588,823</b></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);"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>109,970,159</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 6%; 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);"><b>293,819,274</b></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);"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>99,468,580</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 6%; 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);"><b>5,530,925</b></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);"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>12,070,750</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 6%; 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);"><b>35,381</b></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);"><b>$</b></td><td style="width: 6%; 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);"><b>521,679,143</b></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="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt; margin-right: 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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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;">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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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;">Pass</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;">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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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 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;">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 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 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 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 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 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 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 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 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: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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; background-color: rgb(204, 238, 255);"><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: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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; background-color: rgb(255, 255, 255);"><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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; 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;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,225,732</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">146,174,439</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">3,345,788</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; 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></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; 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: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,942,365</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: 6%; 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: 6%; 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: 6%; 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></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; 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></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; 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: 6%; 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: 6%; 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></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; 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;"> </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: 6%; 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;">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;"> </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: 6%; 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;">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;"> </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: 6%; 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;">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;"> </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: 6%; 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;">2,280</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;"> </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: 6%; 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;">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;"> </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: 6%; 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: 6%; 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: 6%; 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;">20,627</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: 6%; 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></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; width: 19%;"> </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);">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">9,821,535</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 6%; 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);">2,101,931</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; 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);">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">129,577,624</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 6%; 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);">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; 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);">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">104,951,530</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 6%; 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);">5,288,153</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);">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">15,109,965</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 6%; 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);">20,627</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: 6%; 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></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-indent: 18pt;">The following tables detail activity in the allowance for loan losses by portfolio for the years ended <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">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:'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: 9pt; 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: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Provision</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">balance evaluated for impairment:</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">evaluated for impairment:</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Beginning</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">for loan</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Charge</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ending</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; 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: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; 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: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">December 31, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">losses</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">offs</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Recoveries</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>2,482,930</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>343,424</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>(7,772</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>2,818,582</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>129,461</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>2,689,121</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>7,019,415</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>344,775,287</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>214,547</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>(66,151</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>16,200</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>164,596</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>164,596</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>369,622</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>23,608,751</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>603,558</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>171,391</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>18,970</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>793,919</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>793,919</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>256,350</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>209,583</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>114,217,216</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">Commercial</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>255,413</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>84,358</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>(2,468</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>337,303</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>184,854</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>30,914,048</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">Consumer</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>4,370</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>336</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>4,706</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>4,706</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>156,422</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>89,450</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(58,358</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>31,092</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>31,092</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>3,650,268</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>475,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>(10,240</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>35,170</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>4,150,198</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>281,910</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>3,868,288</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>7,428,214</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>579,205</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>513,671,724</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </td></tr> </tbody></table> <p style="text-align:justify;font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt; margin-right: 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: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</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: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</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: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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;">Provision</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: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%; 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;">balance evaluated for impairment:</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%; 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;">evaluated for impairment:</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: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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;">Beginning</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: 0%;"> </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;">for loan</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: 0%;"> </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;">Charge</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: 0%;"> </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: 5%;"><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: 0%;"> </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;">Ending</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: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%;"> <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;"><em style="font: inherit;">Purchase Credit</em></em></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: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%;"> <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;"><em style="font: inherit;">Purchase Credit</em></em></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: 23%; 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 style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 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); 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;">balance</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: 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); 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;">losses</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: 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); 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;">offs</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: 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); 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;">Recoveries</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: 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); 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;">balance</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: 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); 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;">Individually</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: 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); 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;">Impaired</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: 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); 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;">Collectively</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: 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); 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;">Individually</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: 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); 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;">Impaired</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: 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); 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;">Collectively</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; 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: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </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; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 23%;"> <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: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </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; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,230,129</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">241,301</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; 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: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">11,500</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,482,930</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">129,461</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; 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: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,353,469</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">56,825</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">312,307,359</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; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">201,692</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">(3,345</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">)</td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">16,200</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">214,547</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">214,547</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">383,666</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">27,838,188</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; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">644,639</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">(22,111</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">)</td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">(18,970</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">)</td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">603,558</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">603,558</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">568,151</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">106,828,654</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; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">111,390</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">129,023</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">15,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">255,413</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">102,964</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">31,029,757</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; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,138</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,232</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">4,370</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">4,370</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">355,958</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; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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;">106,550</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: 0%; font-family: &quot;Times New 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: 5%; 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;">(17,100</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;">)</td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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;">89,450</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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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;">89,450</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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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; 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; width: 23%;"> </td><td style="width: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,296,538</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">330,000</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">(18,970</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;">)</td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">42,700</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,650,268</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">281,910</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">3,368,358</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">1,008,642</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">478,359,916</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> </tbody></table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans acquired from Carroll were measured at fair value at the acquisition date with <em style="font: inherit;">no</em> carryover of any allowance for loan losses. The following table provides activity for the accretable credit discount of purchased loans:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 20%; margin-left: 54pt; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 81%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2021</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,629,242</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Transfer to accretable</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &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);"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>(698,269</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2022</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>930,973</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px; 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">During <em style="font: inherit;">2021,</em> accretion of $1,081,403 was recorded.         </p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">At <em style="font: inherit;"> December 31, 2022, </em>the nonaccretable difference on purchased credit impaired loans was $233,411, a decrease of $233,176 from <em style="font: inherit;"> December 31, 2021 </em>as a result of a loan pay off. At <em style="font: inherit;"> December 31, 2022, </em>the accretable discount on purchased credit impaired loans was $0 after the accretion of $140,608 as a result of a loan payoff. At <em style="font: inherit;"> December 31, 2022, </em>the remaining yield premium on purchased loans was $878,756. Yield premium amortization was $526,377 and $718,875 in <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> respectively. At <em style="font: inherit;"> December 31, 2022, </em>the principal balance of purchased loans was $86,649,656 and the carrying value was $86,364,028.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loans having an aggregate balance of approximately <b>$458.9 </b>million were pledged as collateral to the FHLB as of <em style="font: inherit;"> December 31, 2022. </em>Loans having an aggregate balance of approximately <b>$62.7 </b>million were pledged as collateral to the Federal Reserve Bank of Richmond (the “FRB”) as of <em style="font: inherit;"> December 31, 2022. </em>At <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> the Company serviced participation loans for others totaling <b>$13.5</b> and $22.1<b> </b>million, respectively.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company makes loans to customers located primarily in Baltimore County and Carroll County, Maryland and in surrounding areas of northern Maryland. Although management believes that the loan portfolio is diversified, many loans are secured by real estate and its performance will be influenced by the economy of the region, including local real estate markets.</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;"/> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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></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: 66%;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>351,794,702</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">319,185,116</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>23,978,373</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">28,221,854</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>114,683,149</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">107,436,033</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>31,066,497</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">31,182,206</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>156,422</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>521,679,143</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">486,381,167</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>4,150,198</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">3,650,268</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Deferred origination fees net of costs</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>608,405</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>516,920,540</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> </tbody></table> 351794702 319185116 23978373 28221854 114683149 107436033 31066497 31182206 156422 355958 521679143 486381167 4150198 3650268 608405 719565 516920540 482011334 700000 9700000 0 22000000 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 20%; margin-left: 36pt; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></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: &quot;Times New Roman&quot;; 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;"><b><b>2021</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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></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: 62%;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>502,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">4,810,965</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">31,500</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 style="font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 16%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; 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;; 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);"><b>$</b></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);"><b>655,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">4,994,914</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> 502961 4810965 0 31500 152449 152449 655410 4994914 502961 152449 45856 281910 4810965 31500 152449 219734 281910 27146 <table cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt; margin-right: 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;"> </td><td style="font-family: &quot;Times New Roman&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="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;">90 Days</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 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 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="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;">Past Due 90</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;"> </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; width: 0%; padding: 0px;"> <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;"> </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; width: 0%; padding: 0px;"> <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;"> </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;"><em style="font: inherit;">or More</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="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;"><em style="font: inherit;">Total</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 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="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;"><em style="font: inherit;">Total</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="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 0%; padding: 0px;"> <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;"> </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 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 black;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black; width: 0%; padding: 0px;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black; width: 0%; padding: 0px;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black;"> <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 black;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid black;"> </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 black;"> <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;"> </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; margin-left: 0pt; width: 30%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2022</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 style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 0pt;"> <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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 9pt;"> <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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>502,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>502,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>351,291,741</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>351,794,702</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></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; margin-left: 9pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>23,978,373</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>23,978,373</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></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; margin-left: 9pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>311,409</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>311,409</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>114,371,740</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>114,683,149</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></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; margin-left: 0pt;"> <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;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>30,914,048</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>31,066,497</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>-</b></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; margin-left: 0pt;"> <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;"> </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);"><b> </b></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);"><b>-</b></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);"><b> </b></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);"><b>-</b></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);"><b> </b></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);"><b>-</b></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);"><b> </b></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);"><b>-</b></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);"><b> </b></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);"><b>156,422</b></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);"><b> </b></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);"><b>156,422</b></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);"><b> </b></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);"><b>-</b></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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 9pt;"> <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;"> </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);"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>311,409</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>655,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>966,819</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>520,712,324</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>521,679,143</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></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);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; 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><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 0pt;"> <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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 0pt;"> <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;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="font-family: &quot;Times 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; margin-left: 9pt;"> <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;"> </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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">502,961</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">319,185,116</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">-</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; margin-left: 9pt;"> <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: 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: 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: 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: 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: 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><td style="width: 1%; font-family: &quot;Times New 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><td style="width: 1%; font-family: &quot;Times New 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></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; margin-left: 9pt;"> <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: 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: 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: 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;">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: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 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><td style="width: 1%; font-family: &quot;Times New 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;">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; 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; margin-left: 0pt;"> <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;"> </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: 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: 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;">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: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">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: 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><td style="width: 1%; font-family: &quot;Times New 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;">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; 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; margin-left: 0pt;"> <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;"> </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;"> </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;"> </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;"> </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;"> </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><td style="width: 1%; font-family: &quot;Times New 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><td style="width: 1%; font-family: &quot;Times New 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></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; margin-left: 9pt;"> <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;"> </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);">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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);">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,167,812</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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);">1,167,812</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">485,213,355</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</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; padding-bottom: 3px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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; 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);">480,902</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td></tr> </tbody></table> 0 0 502961 502961 351291741 351794702 0 0 0 0 0 23978373 23978373 0 311409 0 0 311409 114371740 114683149 0 0 0 152449 152449 30914048 31066497 0 0 0 0 0 156422 156422 0 311409 0 655410 966819 520712324 521679143 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="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 30%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>7,019,415</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>6,516,454</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>502,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>7,019,415</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>129,461</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>6,920,174</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>223,476</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>256,350</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>256,350</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>256,350</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>147,789</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>10,594</b></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 style="font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </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);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>7,428,214</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>6,772,804</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>655,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>7,428,214</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>281,910</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>7,220,412</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>234,070</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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><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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,317,971</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">502,961</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">129,461</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,740,539</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">125,079</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">41,981</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,672</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,357,199</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">655,410</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">281,910</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 7%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,858,745</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 7%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> </tbody></table> 7019415 6516454 502961 7019415 129461 6920174 223476 256350 256350 0 256350 0 147789 10594 152449 0 152449 152449 152449 152449 0 7428214 6772804 655410 7428214 281910 7220412 234070 6820932 6317971 502961 6820932 129461 6740539 125079 0 0 0 0 0 0 0 39228 39228 0 39228 0 41981 1672 152449 0 152449 152449 152449 76225 69005 7012609 6357199 655410 7012609 281910 6858745 195756 6516454 2 256350 4542896 1 222767 2009967 1 39228 0 <table cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt; margin-right: 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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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;">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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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;">Pass</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;">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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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, 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); 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;">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 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 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 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 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 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 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 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 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: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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; background-color: rgb(204, 238, 255);"><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: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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; background-color: rgb(255, 255, 255);"><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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>65,908,980</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>201,854,424</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>70,826,837</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,558,954</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>9,645,507</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>351,794,702</b></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,845,351</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>12,087,402</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>8,045,620</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>23,978,373</b></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>15,613</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>573,108</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>35,774,807</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>63,833,864</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>10,815,681</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,397,282</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,272,794</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>114,683,149</b></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>178,916</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>4,347,337</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>16,039,145</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>9,773,961</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>574,689</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>31,066,497</b></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; 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;"> </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);"><b> </b></td><td style="width: 6%; 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;"><b>722</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>15,715</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>93,684</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>4,439</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>6,481</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>-</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>-</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>35,381</b></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);"><b> </b></td><td style="width: 6%; 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;"><b>156,422</b></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; width: 19%;"> </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);"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>195,251</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 6%; 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);"><b>588,823</b></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);"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>109,970,159</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 6%; 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);"><b>293,819,274</b></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);"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>99,468,580</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 6%; 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);"><b>5,530,925</b></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);"><b>$</b></td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>12,070,750</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 6%; 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);"><b>35,381</b></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);"><b>$</b></td><td style="width: 6%; 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);"><b>521,679,143</b></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="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt; margin-right: 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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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;">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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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;">Pass</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;">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="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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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 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;">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 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 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 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 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 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 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 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 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: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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; background-color: rgb(204, 238, 255);"><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: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </td><td style="font-family: &quot;Times New Roman&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: 6%;"> </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; background-color: rgb(255, 255, 255);"><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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; 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;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,225,732</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">146,174,439</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">3,345,788</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 6%; 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></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; 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: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">1,942,365</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: 6%; 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: 6%; 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: 6%; 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></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; 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></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; 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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">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: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 6%; 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: 6%; 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: 6%; 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: 6%; 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></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; 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;"> </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: 6%; 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;">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;"> </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: 6%; 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;">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;"> </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: 6%; 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;">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;"> </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: 6%; 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;">2,280</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;"> </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: 6%; 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;">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;"> </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: 6%; 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: 6%; 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: 6%; 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;">20,627</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: 6%; 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></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; width: 19%;"> </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);">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">9,821,535</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 6%; 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);">2,101,931</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; 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);">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">129,577,624</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 6%; 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);">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; 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);">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">104,951,530</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 6%; 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);">5,288,153</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);">$</td><td style="width: 6%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">15,109,965</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 6%; 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);">20,627</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: 6%; 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></tr> </tbody></table> 0 0 65908980 201854424 70826837 3558954 9645507 0 351794702 0 0 3845351 12087402 8045620 0 0 0 23978373 15613 573108 35774807 63833864 10815681 1397282 2272794 0 114683149 178916 0 4347337 16039145 9773961 574689 152449 0 31066497 722 15715 93684 4439 6481 0 0 35381 156422 195251 588823 109970159 293819274 99468580 5530925 12070750 35381 521679143 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 cellpadding="0" cellspacing="0" class="finTable" style="margin-right: auto; margin-left: 36pt; width: 95%; font-size: 9pt; 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: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">Provision</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">balance evaluated for impairment:</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;">evaluated for impairment:</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Beginning</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">for loan</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Charge</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 1%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Ending</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; 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: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; 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: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">December 31, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">losses</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">offs</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Recoveries</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">balance</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Individually</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Impaired</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0); width: 0%;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; 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: 9pt; font-variant: normal; text-align: center; margin: 0pt;"><em style="font: inherit;">Collectively</em></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">Real estate:</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 1%;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>2,482,930</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>343,424</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>(7,772</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>2,818,582</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>129,461</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>2,689,121</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>7,019,415</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>344,775,287</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Construction and land development</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>214,547</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>(66,151</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>16,200</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>164,596</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>164,596</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>369,622</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>23,608,751</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Residential</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>603,558</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>171,391</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>18,970</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>793,919</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>793,919</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>256,350</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>209,583</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>114,217,216</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">Commercial</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>255,413</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>84,358</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>(2,468</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>337,303</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>184,854</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>152,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>30,914,048</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">Consumer</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>4,370</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>336</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>4,706</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>4,706</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right;"><b>156,422</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>89,450</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(58,358</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>31,092</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>31,092</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 1px; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; width: 23%;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>3,650,268</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>475,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>(10,240</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"><b>)</b></td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>35,170</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>4,150,198</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>281,910</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>3,868,288</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>7,428,214</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>579,205</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>513,671,724</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 9pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> </tbody></table> <table cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; text-indent: 0px; margin-left: 0pt; margin-right: 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: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Allowance for loan losses ending</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: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; text-align: center; margin: 0pt;">Outstanding loan balances</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: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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;">Provision</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: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%; 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;">balance evaluated for impairment:</p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%; 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;">evaluated for impairment:</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: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </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;">Beginning</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: 0%;"> </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;">for loan</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: 0%;"> </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;">Charge</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: 0%;"> </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: 5%;"><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: 0%;"> </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;">Ending</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: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%;"> <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;"><em style="font: inherit;">Purchase Credit</em></em></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: 0%;"> </td><td colspan="10" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 15%;"> <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;"><em style="font: inherit;">Purchase Credit</em></em></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: 23%; 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 style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 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); 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;">balance</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: 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); 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;">losses</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: 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); 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;">offs</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: 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); 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;">Recoveries</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: 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); 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;">balance</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: 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); 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;">Individually</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: 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); 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;">Impaired</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: 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); 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;">Collectively</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: 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); 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;">Individually</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: 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); 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;">Impaired</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: 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); 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;">Collectively</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; 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: 23%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </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; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 23%;"> <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: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 0%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 5%;"> </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; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,230,129</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">241,301</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; 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: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">11,500</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,482,930</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">129,461</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; 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: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,353,469</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">6,820,932</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">56,825</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">312,307,359</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; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">201,692</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">(3,345</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">)</td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">16,200</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">214,547</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">214,547</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">383,666</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">27,838,188</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; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">644,639</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">(22,111</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">)</td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">(18,970</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;">)</td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">603,558</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">603,558</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">39,228</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">568,151</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">106,828,654</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; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">111,390</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">129,023</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">15,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">255,413</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">102,964</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">31,029,757</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; width: 23%;"> <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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,138</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">2,232</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">4,370</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">4,370</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;">355,958</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; width: 23%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">Unallocated</p> </td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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;">106,550</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: 0%; font-family: &quot;Times New 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: 5%; 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;">(17,100</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;">)</td><td style="width: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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;">89,450</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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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;">89,450</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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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: 0%; font-family: &quot;Times New 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: 5%; 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; 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; width: 23%;"> </td><td style="width: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,296,538</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">330,000</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">(18,970</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;">)</td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">42,700</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">3,650,268</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">281,910</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">-</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">3,368,358</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">7,012,609</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 0%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 5%; 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);">1,008,642</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: 0%; 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);">$</td><td style="width: 5%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">478,359,916</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> </tbody></table> 2482930 343424 7772 0 2818582 129461 0 2689121 7019415 0 344775287 214547 -66151 -0 16200 164596 0 0 164596 0 369622 23608751 603558 171391 -0 18970 793919 0 0 793919 256350 209583 114217216 255413 84358 2468 0 337303 152449 0 184854 152449 0 30914048 4370 336 -0 0 4706 0 0 4706 0 0 156422 89450 -58358 -0 0 31092 0 0 31092 0 0 0 3650268 475000 10240 35170 4150198 281910 0 3868288 7428214 579205 513671724 2230129 241301 -0 11500 2482930 129461 0 2353469 6820932 56825 312307359 201692 -3345 -0 16200 214547 0 0 214547 0 383666 27838188 644639 -22111 18970 0 603558 0 0 603558 39228 568151 106828654 111390 129023 -0 15000 255413 152449 0 102964 152449 0 31029757 2138 2232 -0 0 4370 0 0 4370 0 0 355958 106550 -17100 -0 0 89450 0 0 89450 0 0 0 3296538 330000 18970 42700 3650268 281910 0 3368358 7012609 1008642 478359916 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 20%; margin-left: 54pt; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 81%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2021</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,629,242</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Transfer to accretable</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &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);"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>(698,269</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2022</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>930,973</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td></tr> </tbody></table> 1629242 0 698269 930973 1081403 233411 233176 0 140608 878756 526377 718875 86649656 86364028 458900000 62700000 13500000 22100000 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">6.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Premises and Equipment</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">A summary of premises and equipment is 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%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;">Useful lives</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; width: 49%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Land and improvements</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: center;"><span style="-sec-ix-hidden:c94660200">-</span></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>2,602,998</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">2,602,998</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Buildings and improvements</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><span style="-sec-ix-hidden:c94660203">15-39 years</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>6,171,003</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">6,302,622</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Furniture and equipment</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><span style="-sec-ix-hidden:c94660206">3-10 years</span></p> </td><td style="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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>5,162,976</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">4,752,133</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><span style="-sec-ix-hidden:c94660209"> </span></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>13,936,977</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">13,657,753</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Accumulated depreciation and amortization</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>7,750,383</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,398,332</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"><b> </b></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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>6,186,594</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,259,421</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Depreciation and amortization expense</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>445,939</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">434,434</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In <em style="font: inherit;"> July 2022, </em>the Company’s Upperco, Maryland location incurred significant storm damage to the building and its contents. Insurance proceeds of $779,064 were received. $67,850 was used to repair the roof. The remainder of $711,214 less the book value of the damaged portion of the building and contents of $37,732 resulted in a gain of $673,483.</p> <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-indent: 18pt;">On <em style="font: inherit;"> March 31, 2021, </em>the Company sold real property for net proceeds of $1,359,613. The carrying value of the land, building, and furniture and equipment at the time of the sale was $1,322,000, resulting in a gain of $37,613.</p> <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-indent: 18pt;">Software with a net book value of <b>$90,927 </b>and $118,614 as of <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> respectively, is included in other assets. Amortization expense of <b>$36,550</b> and $36,509 was recorded in <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> respectively.</p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;">Useful lives</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; width: 49%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Land and improvements</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: center;"><span style="-sec-ix-hidden:c94660200">-</span></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>2,602,998</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">2,602,998</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Buildings and improvements</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><span style="-sec-ix-hidden:c94660203">15-39 years</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>6,171,003</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">6,302,622</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Furniture and equipment</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><span style="-sec-ix-hidden:c94660206">3-10 years</span></p> </td><td style="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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>5,162,976</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">4,752,133</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><span style="-sec-ix-hidden:c94660209"> </span></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>13,936,977</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">13,657,753</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Accumulated depreciation and amortization</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>7,750,383</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">7,398,332</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"><b> </b></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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>6,186,594</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">6,259,421</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Depreciation and amortization expense</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>445,939</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">434,434</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td></tr> </tbody></table> 2602998 2602998 6171003 6302622 5162976 4752133 13936977 13657753 7750383 7398332 6186594 6259421 445939 434434 779064 67850 711214 37732 673483 1359613 1322000 37613 90927 118614 36550 36509 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">7.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Goodwill and Other Intangibles</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Merger 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: 15%; margin-left: 36pt; width: 85%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;"><td> </td><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: &quot;Times New Roman&quot;; font-size: 10pt; width: 46%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2020</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,978,208</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">81,200</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">7,059,408</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 style="font-family: &quot;Times New Roman&quot;; 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: &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: 15%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </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: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">(8,328</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </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: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">(8,328</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: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>6,978,208</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>72,872</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>7,051,080</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; 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: &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);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b><em style="font: inherit;">-</em></b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>(8,328</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>)</b></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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>(8,328</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2022</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>6,978,208</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>64,544</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </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);"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>7,042,752</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px; 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The CDI is being amortized over 10 years on a straight line basis. Annual amortization will be $8,328 per year and $6,246 in year <em style="font: inherit;">10.</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> <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;"/> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 15%; margin-left: 36pt; width: 85%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;"><td> </td><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: &quot;Times New Roman&quot;; font-size: 10pt; width: 46%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2020</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">6,978,208</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">81,200</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">7,059,408</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 style="font-family: &quot;Times New Roman&quot;; 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: &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: 15%; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </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: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">(8,328</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </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: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">(8,328</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: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>6,978,208</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>72,872</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); margin-left: 0pt;"> </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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>7,051,080</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; 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: &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);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b><em style="font: inherit;">-</em></b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>(8,328</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>)</b></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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>(8,328</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Balance at December 31, 2022</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>6,978,208</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>64,544</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0); margin-left: 0pt;"> </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);"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>7,042,752</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td></tr> </tbody></table> 6978208 81200 7059408 8328 8328 6978208 72872 7051080 8328 8328 6978208 64544 7042752 P10Y 8328 6246 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">8.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Commitments and Contingencies</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt;"><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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company has an operating lease for the land on which the Hampstead branch is located. The initial term of the lease expired on <em style="font: inherit;"> September 30, 2009 </em>and the lease was renewed for <span style="-sec-ix-hidden:c94660253">three five</span> year terms with an expiration date of <em style="font: inherit;"> September 30, 2024. </em>The lease has options to renew for <em style="font: inherit;">five</em> additional consecutive <span style="-sec-ix-hidden:c94660255">five</span>-year terms. Effective in <em style="font: inherit;"> July 2012, </em>the Company entered into an operating lease for certain facilities where the Greenmount branch is located. The initial term of the lease was for <span style="-sec-ix-hidden:c94660256">five</span> years and, effective <em style="font: inherit;"> January 2018, </em>the lease has been renewed for <em style="font: inherit;">one five</em>-year term with an option to renew for an additional <span style="-sec-ix-hidden:c94660258">five</span>-year term. The Company entered into an operating lease for the corporate headquarters in <em style="font: inherit;"> June 2015. </em>In <em style="font: inherit;"> July 2019, </em>the lease was amended to increase the amount of space. The lease was renewed in <em style="font: inherit;"> June 2020 </em>with options to renew for <em style="font: inherit;">three</em> additional consecutive <span style="-sec-ix-hidden:c94660260">five</span> year terms. In <em style="font: inherit;"> May 2018, </em>the Company entered into a lease for its Carroll Lutheran Village branch with a term of <span style="-sec-ix-hidden:c94660261">five</span> years and the option to renew for <span style="-sec-ix-hidden:c94660262">two</span> additional <span style="-sec-ix-hidden:c94660263">five</span> year terms.</p> <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-indent: 18pt; text-align: justify;">The following table shows operating lease right of use assets and operating lease liabilities as of <em style="font: inherit;"> December 31, 2022:</em></p> <p style="text-align:justify;font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 27.6%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Consolidated Balance</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; 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;">Sheet classification</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="font-family: &quot;Times New Roman&quot;; 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;">December 31, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="font-family: &quot;Times New Roman&quot;; 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;">December 31, 2021</p> </td><td style="font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 38.4%;"> <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: &quot;Times New Roman&quot;; 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;">Other assets</em></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>943,933</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,093,382</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: &quot;Times New Roman&quot;; 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;">Other liabilities</em></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,166,476</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,311,570</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Operating lease cost included in occupancy expense in the statement of income was $<b>188,909</b> during <em style="font: inherit;">2022</em> and $191,913 during <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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">Future undiscounted lease payments for operating leases with initial terms of <em style="font: inherit;">one</em> year or more as of <em style="font: inherit;"> December 31, 2022 </em>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: 20%; margin-left: 54pt; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 81%; 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 0pt 0pt 9pt;">Year</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2023</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">188,734</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2024</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">194,252</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2025</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">199,944</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2026</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">205,816</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2027</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">211,874</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Thereafter</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">282,496</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total lease payments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,283,116</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Less imputed interest</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(116,640</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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Present value of operating lease liabilities</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);">1,166,476</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">For operating leases as of <em style="font: inherit;"> December 31, 2022, </em>the weighted average remaining lease term is 6.54 years and the weighted average discount rate is 3.25%. During the years ended <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">2021,</em> cash paid for amounts included in the measurement of lease liabilities was $<b>184,554</b> and $174,860, respectively.</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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </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;"><b>Credit Commitments</b></p> <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-indent: 18pt; text-align: justify;">Outstanding loan commitments, unused lines of credit, and letters of credit as of <em style="font: inherit;"> December 31, </em>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%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b><b>2022</b></b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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></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: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Loan commitments</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>911,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">6,810,353</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>398,046</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">630,000</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>9,264,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">23,552,400</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>3,402,371</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">3,804,617</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>13,975,917</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">34,797,370</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Unused lines of credit</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Home-equity lines</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>12,086,758</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">12,707,519</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial lines</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>25,464,025</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">28,828,911</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>37,550,783</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">41,536,430</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Letters of credit</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>1,403,956</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,470,742</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Loan commitments and lines of credit are agreements to lend to a customer as long as there is <em style="font: inherit;">no</em> violation of any condition to the contract. Loan commitments generally have interest rates at current market amounts, fixed expiration dates, and <em style="font: inherit;"> may </em>require payment of a fee. Lines of credit generally have variable interest rates. Such lines do <em style="font: inherit;">not</em> necessarily 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 <em style="font: inherit;">third</em> party.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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 <em style="font: inherit;">not</em> aware of any accounting loss that is likely to be incurred as a result of funding its credit commitments.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt;"><b>Insurance Reserves</b></p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Until <em style="font: inherit;"> November 6, 2022, </em>through reinsurance and pooling arrangements, the Insurance Subsidiary insured risks of the Bank (primarily professional liability) that were <em style="font: inherit;">not</em> available in typical commercially available policies. In addition, the Insurance Subsidiary, as <em style="font: inherit;">one</em> protected cell of a protected cell captive insurance company, is responsible for a portion of all claims filed by the other captive insurance companies that participate in the pool in which the Insurance Subsidiary participates. The Company records liabilities for claims incurred but <em style="font: inherit;">not</em> reported based on historical loss information and claim emergence patterns. Total liabilities related to Insurance Subsidiary claims at <em style="font: inherit;"> December </em><em style="font: inherit;">31,</em> <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021</em> were <b>$530,720 </b>and $390,171, respectively, and are included in other liabilities in the Consolidated Balance Sheet. The Bank did <em style="font: inherit;">not</em> renew the policy through the Insurance Subsidiary after the previous policy expired on <em style="font: inherit;"> November 6, 2022. </em>The Bank <em style="font: inherit;"> may </em>renew the policy at a later date.</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;"/> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 27.6%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Consolidated Balance</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; 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;">Sheet classification</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="font-family: &quot;Times New Roman&quot;; 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;">December 31, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="font-family: &quot;Times New Roman&quot;; 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;">December 31, 2021</p> </td><td style="font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 38.4%;"> <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: &quot;Times New Roman&quot;; 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;">Other assets</em></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>943,933</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,093,382</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: &quot;Times New Roman&quot;; 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;">Other liabilities</em></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,166,476</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,311,570</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> 943933 1093382 1166476 1311570 188909 191913 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 20%; margin-left: 54pt; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 81%; 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 0pt 0pt 9pt;">Year</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2023</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">188,734</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2024</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">194,252</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2025</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">199,944</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2026</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">205,816</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">2027</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">211,874</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Thereafter</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">282,496</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Total lease payments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,283,116</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Less imputed interest</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(116,640</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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Present value of operating lease liabilities</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);">1,166,476</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> 188734 194252 199944 205816 211874 282496 1283116 116640 1166476 P6Y6M14D 0.0325 184554 174860 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b><b>2022</b></b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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></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: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Loan commitments</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>911,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">6,810,353</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>398,046</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">630,000</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>9,264,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">23,552,400</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>3,402,371</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">3,804,617</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>13,975,917</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">34,797,370</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Unused lines of credit</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Home-equity lines</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>12,086,758</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">12,707,519</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Commercial lines</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>25,464,025</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">28,828,911</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>37,550,783</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">41,536,430</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Letters of credit</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>1,403,956</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">1,470,742</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> 911500 6810353 398046 630000 9264000 23552400 3402371 3804617 13975917 34797370 12086758 12707519 25464025 28828911 37550783 41536430 1403956 1470742 530720 390171 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">9.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Retirement Plans</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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 more 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 <b>$256,251</b> and $259,042 for <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> respectively.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company has entered into agreements with <b>12</b> 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. Some of the policies provide benefits subsequent to the employee’s employment with the Company. For this plan, the Company expensed <b>$6,809 </b>and $6,643<b> </b>in <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> respectively.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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, including interest, of <b>$154,911 </b>and $168,129<b> </b>in <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> respectively, for these plans.</p> <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; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Retirement plan expenses are included in employee benefits on the Consolidated Statements of Income.</p> 0.04 1 256251 259042 12 6809 6643 4 154911 168129 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">10.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Interest-Bearing Deposits</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">Major classifications of interest-bearing deposits 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: 15%; margin-left: 36pt; width: 85%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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></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: 64%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">NOW</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>135,716,736</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">130,486,845</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Money market</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>99,173,640</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">90,994,339</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Savings</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>103,308,454</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">99,959,988</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Certificates of deposit, greater than $250,000</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>37,976,238</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">34,697,273</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other time deposits</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>120,740,707</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">146,100,610</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>496,915,775</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">502,239,055</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">As of <em style="font: inherit;"> December 31, 2022, </em>certificates of deposit mature 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%; margin-left: 10%; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 81%; 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;">Year</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>110,590,325</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>39,187,383</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>4,711,082</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,570,470</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2027</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>1,657,685</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>158,716,945</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px; 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">In connection with the Merger, the Company recognized a certificate of deposit premium of $616,377, which is being accreted using the interest method based upon the maturity of each certificate of deposit. Accretion of $160,923 and $249,840 were recorded in <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> respectively.</p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 15%; margin-left: 36pt; width: 85%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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></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: 64%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">NOW</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>135,716,736</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">130,486,845</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Money market</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>99,173,640</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">90,994,339</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Savings</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>103,308,454</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">99,959,988</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Certificates of deposit, greater than $250,000</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>37,976,238</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">34,697,273</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other time deposits</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>120,740,707</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">146,100,610</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>496,915,775</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 15%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">502,239,055</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> </tbody></table> 135716736 130486845 99173640 90994339 103308454 99959988 37976238 34697273 120740707 146100610 496915775 502239055 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 10%; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 81%; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">Year</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">Amount</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2023</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>110,590,325</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>39,187,383</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>4,711,082</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,570,470</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">2027</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>1,657,685</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0); text-align: right;"><b>158,716,945</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px; margin-left: 0pt;"> </td></tr> </tbody></table> 110590325 39187383 4711082 2570470 1657685 158716945 616377 160923 249840 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">11.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Borrowed Funds</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">Borrowed funds consist of securities sold under repurchase agreements, which represent overnight or term borrowings from customers, advances from the FHLB of Atlanta, the FRB, and overnight borrowings from a commercial bank. The government agency securities that are the collateral for these agreements are owned by the Company and maintained in the custody of an unaffiliated agent designated by the Company.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b/></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">On <em style="font: inherit;"> September 30, 2020, </em>Farmers and Merchants Bancshares, Inc. borrowed $17,000,000 from First Horizon Bank (“FHN”) to be used, on <em style="font: inherit;"> October 1, 2020, </em>to fund a portion of the merger consideration paid in the Merger. Net of issuance costs of $28,126, the proceeds of the net long-term debt were $16,971,874. The loan matures on <em style="font: inherit;"> September 30, 2025. </em>The interest rate on the loan is fixed at 4.10%. The Company made quarterly interest-only payments through <em style="font: inherit;"> October 1, 2021. </em>During the remaining term of the loan, the Company is required to make quarterly interest and principal payments of approximately $646,472, which is based on a <em style="font: inherit;">nine</em>-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 the lender.</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;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt;">Additional information is 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%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; width: 49%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Amounts outstanding at year-end:</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5,175,303</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,414,026</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(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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><span style="text-decoration: underline; ">Maturity date</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><span style="text-decoration: underline; "><em style="font: inherit;">Interest Rate</em></span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><em style="font: inherit;"><em style="font: inherit;">Amount</em></em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">3/30/2025 - fixed rate</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: center;">1.00%</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5,000,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,000,000</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/20/2023 - daily rate</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4.57%</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>15,000,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;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;; font-size: 10pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>20,000,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">5,000,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; 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 (net of issuance costs):</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><span style="text-decoration: underline; ">Maturity date</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><span style="text-decoration: underline; "><em style="font: inherit;">Interest Rate</em></span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; 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;"><em style="font: inherit;"><em style="font: inherit;">Amount</em></em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">9/30/2025</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4.10%</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>15,095,642</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">16,978,905</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Weighted average rate paid at December 31:</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: justify; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: justify; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: justify; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>0.30</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">0.31</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 style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>3.68</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">1.00</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>4.10</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4.10</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><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><em style="font: inherit;">Average rate paid during the year ended December 31:</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>0.30</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">0.43</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1.55</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">1.01</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 style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>4.10</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4.10</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(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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Investment securities underlying the repurchase agreements at December 31:</em></em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Carrying value</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>11,389,983</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">7,062,928</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><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><em style="font: inherit;">Loans pledged to the Federal Home Loan Bank at December 31:</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Carrying value - loans</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>458,863,387</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">111,547,027</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(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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><em style="font: inherit;">Loans pledged to the Federal Reserve Bank at December 31:</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Carrying value</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>62,720,368</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">55,399,031</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The Company is approved to borrow approximately $60.5 million against eligible pledged single family residential loans, eligible pledged multi-family loans, eligible pledged commercial loans, and eligible pledged securities under a secured line of credit with the FHLB. In addition, the Company has a facility with the FRB whereby the Company can borrow up to $25.4 million. The Company also has available an unsecured federal funds line of credit of $14.5 million and a secured federal funds line of credit of $9 million from commercial banks.</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;"/> 17000000 28126 16971874 0.0410 646472 9916667 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; width: 49%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Amounts outstanding at year-end:</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5,175,303</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,414,026</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(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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><span style="text-decoration: underline; ">Maturity date</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><span style="text-decoration: underline; "><em style="font: inherit;">Interest Rate</em></span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><em style="font: inherit;"><em style="font: inherit;">Amount</em></em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">3/30/2025 - fixed rate</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: center;">1.00%</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5,000,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,000,000</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">11/20/2023 - daily rate</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4.57%</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>15,000,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;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;; font-size: 10pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>20,000,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">5,000,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; 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 (net of issuance costs):</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><span style="text-decoration: underline; ">Maturity date</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><span style="text-decoration: underline; "><em style="font: inherit;">Interest Rate</em></span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; 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;"><em style="font: inherit;"><em style="font: inherit;">Amount</em></em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">9/30/2025</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4.10%</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>15,095,642</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">16,978,905</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Weighted average rate paid at December 31:</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: justify; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: justify; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="text-align: justify; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>0.30</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">0.31</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 style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>3.68</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">1.00</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>4.10</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4.10</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><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><em style="font: inherit;">Average rate paid during the year ended December 31:</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>0.30</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">0.43</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1.55</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">1.01</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 style="font-family: &quot;Times New Roman&quot;; 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="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>4.10</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4.10</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(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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><em style="font: inherit;"><em style="font: inherit;">Investment securities underlying the repurchase agreements at December 31:</em></em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Carrying value</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>11,389,983</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">7,062,928</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><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><em style="font: inherit;">Loans pledged to the Federal Home Loan Bank at December 31:</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Carrying value - loans</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>458,863,387</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">111,547,027</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(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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><em style="font: inherit;">Loans pledged to the Federal Reserve Bank at December 31:</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><em style="font: inherit;"> </em></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Carrying value</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b><em style="font: inherit;"> </em></b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>62,720,368</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">55,399,031</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> 5175303 5414026 0.0100 5000000 5000000 0.0457 15000000 0 20000000 5000000 0.0410 15095642 16978905 0.0030 0.0031 0.0368 0.0100 0.0410 0.0410 0.0030 0.0043 0.0155 0.0101 0.0410 0.0410 11389983 7062928 458863387 111547027 62720368 55399031 60500000 25400000 14500000 9000000 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">12.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Income Taxes</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The components of income tax expense are as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Current</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Federal</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,852,205</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,798,535</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>883,493</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">794,348</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,735,698</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">2,592,883</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Deferred</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(250,672</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(160,070</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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>2,485,026</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,432,813</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The components of the deferred tax expense are as follows:</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Depreciation</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>15,108</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">8,291</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Insurance proceeds for storm damage</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>185,326</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Provision for loan losses</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(160,332</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(141,488</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other real estate owned allowance for loss</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(46,561</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Nonaccrual interest</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(29,429</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(83,961</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Prepaid captive insurance premium</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(357,518</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(14,375</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Write-down of equity securities</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(11,583</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(4,227</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Lease liability, net of right of use asset</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(1,198</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(4,693</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Purchase accounting adjustments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>153,455</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">175,037</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Post-retirement benefits</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(44,501</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(48,093</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: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>(250,672</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">(160,070</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The components of the net deferred tax asset 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: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Deferred tax assets</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Allowance for loan losses</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,111,679</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">951,348</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Other real estate owned allowance for loss</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>434,628</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">434,628</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Capital loss carryover</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">5,300</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Nonaccrual interest</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>118,010</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">88,581</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Post-retirement benefits</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>695,983</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">651,482</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Purchase accounting adjustments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>81,687</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">235,142</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Unrealized loss on securities available for sale</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>6,433,263</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">468,726</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Lease liability, net of right of use asset</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>61,238</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">60,040</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Other</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>21,079</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>8,957,567</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,895,247</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Deferred tax liabilities</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Prepaid captive insurance premium</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">357,518</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Depreciation</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>364,008</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">348,900</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Insurance proceeds from storm damage</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>185,326</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Other</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>15,575</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">11,379</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>564,909</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">717,797</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Net deferred tax asset</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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>8,392,658</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,177,450</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> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </td></tr> </tbody></table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:9pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">The differences between the federal income tax rate in effect each year and the effective tax rate for the Company are reconciled 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%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; 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><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; 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;">2021</p> </td><td style="font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Statutory federal income tax rate</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>21.0</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><b>%</b></b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">21.0</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">%</p> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Increase (decrease) resulting from:</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Federal tax-exempt income</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>(3.6</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">(4.4</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State income taxes, net of federal income tax benefit</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5.8</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5.8</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Other</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>0.3</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.6</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>23.5</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><b>%</b></b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">23.0</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">%</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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">Included in Federal tax-exempt income is the insurance premium revenue of the Insurance Subsidiary.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">The IRS recently audited our fiscal year <em style="font: inherit;">2016,</em> <em style="font: inherit;">2017,</em> and <em style="font: inherit;">2018</em> U.S. consolidated federal tax returns. As part of its audits, the IRS reviewed the deductions related to, and the income generated by, the Insurance Subsidiary. Following the completion of these audits, the IRS notified the Company that it disagrees with our tax treatment of the Insurance Subsidiary. The Company has appealed the determination, and management believes that it is more than likely that the Company will prevail in that appeal. If we do <em style="font: inherit;">not</em> prevail in our appeal to this decision, then we could be required to pay taxes, interest, and penalties totaling approximately $3.0 million as of <em style="font: inherit;"> December 31, 2022 </em>for the tax years under appeal. In addition, the IRS is also auditing our fiscal year <span style="-sec-ix-hidden:c94660456">2019,</span> <em style="font: inherit;">2020,</em> and <em style="font: inherit;">2021</em> U.S. consolidated federal tax returns. Management cannot predict whether any of the tax positions taken in our <em style="font: inherit;">2019,</em> <em style="font: inherit;">2020</em> or <em style="font: inherit;">2021</em> tax returns will be challenged by the IRS or, if challenged, whether we will be successful in defending those tax positions. If we are <em style="font: inherit;">not</em> successful in defending a challenge, then we <em style="font: inherit;"> may </em>be required to amend the applicable tax return and pay additional taxes, interest, fines and/or penalties and our taxable earnings and/or the effective tax rate on our future earnings could increase substantial. In light of the foregoing, a reserve for uncertain tax positions has <em style="font: inherit;">not</em> been recorded.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">The Company does <em style="font: inherit;">not</em> have other material uncertain tax positions and did <em style="font: inherit;">not</em> recognize any adjustments for unrecognized tax benefits. The Company remains subject to examination of income tax returns for the years ending after <em style="font: inherit;"> December 31, 2018.</em></p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Current</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Federal</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,852,205</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,798,535</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>883,493</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">794,348</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,735,698</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">2,592,883</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Deferred</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(250,672</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(160,070</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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>2,485,026</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,432,813</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> 1852205 1798535 883493 794348 2735698 2592883 -250672 -160070 2485026 2432813 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Depreciation</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>15,108</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">8,291</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Insurance proceeds for storm damage</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>185,326</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Provision for loan losses</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(160,332</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(141,488</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other real estate owned allowance for loss</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(46,561</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Nonaccrual interest</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(29,429</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(83,961</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Prepaid captive insurance premium</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(357,518</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(14,375</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Write-down of equity securities</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(11,583</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(4,227</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Lease liability, net of right of use asset</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(1,198</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(4,693</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Purchase accounting adjustments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>153,455</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">175,037</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Post-retirement benefits</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(44,501</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(48,093</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: &quot;Times New Roman&quot;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>(250,672</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">(160,070</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> 15108 8291 185326 0 -160332 -141488 0 -46561 -29429 -83961 -357518 -14375 -11583 -4227 -1198 -4693 153455 175037 -44501 -48093 -250672 -160070 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Deferred tax assets</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Allowance for loan losses</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>1,111,679</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">951,348</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Other real estate owned allowance for loss</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>434,628</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">434,628</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Capital loss carryover</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">5,300</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Nonaccrual interest</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>118,010</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">88,581</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Post-retirement benefits</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>695,983</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">651,482</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Purchase accounting adjustments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>81,687</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">235,142</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Unrealized loss on securities available for sale</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>6,433,263</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">468,726</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Lease liability, net of right of use asset</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>61,238</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">60,040</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Other</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>21,079</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>8,957,567</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,895,247</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Deferred tax liabilities</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Prepaid captive insurance premium</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">357,518</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Depreciation</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>364,008</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">348,900</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Insurance proceeds from storm damage</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>185,326</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Other</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>15,575</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">11,379</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>564,909</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">717,797</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Net deferred tax asset</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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>8,392,658</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">2,177,450</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> 1111679 951348 434628 434628 0 5300 118010 88581 695983 651482 81687 235142 6433263 468726 61238 60040 21079 0 8957567 2895247 0 357518 364008 348900 185326 0 15575 11379 564909 717797 8392658 2177450 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; 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><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; 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;">2021</p> </td><td style="font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Statutory federal income tax rate</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>21.0</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><b>%</b></b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">21.0</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">%</p> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Increase (decrease) resulting from:</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Federal tax-exempt income</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>(3.6</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">(4.4</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">State income taxes, net of federal income tax benefit</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5.8</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5.8</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Other</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>0.3</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">0.6</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 3px double rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>23.5</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><b>%</b></b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);">23.0</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">%</p> </td></tr> </tbody></table> 0.210 0.210 0.036 0.044 0.058 0.058 0.003 0.006 0.235 0.230 3000000.0 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">13.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Capital Standards</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">The Basel III Capital Rules became effective for the Bank on <em style="font: inherit;"> January </em><em style="font: inherit;">1,</em> <em style="font: inherit;">2015</em> (subject to a phase-in period for certain provisions). 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> <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b/></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">Under the revised prompt corrective action requirements, 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:c94660555">6.5%;</span> (ii) a Tier <em style="font: inherit;">1</em> risk-based capital ratio of <span style="-sec-ix-hidden:c94660557">8%;</span> (iii) a total risk-based capital ratio of <span style="-sec-ix-hidden:c94660558">10%;</span> and (iv) a Tier <em style="font: inherit;">1</em> leverage ratio of <span style="-sec-ix-hidden:c94660560">5%.</span></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">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;">2015,</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.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">On <em style="font: inherit;"> September 17, 2019, </em>the FDIC finalized a rule that introduces an optional simplified measure of capital adequacy for qualifying community banking organizations (i.e., the community bank leverage ratio (“CBLR”) framework), as required by the Economic Growth, Regulatory Relief and Consumer Protection Act. The CBLR framework is designed to reduce burden by removing the requirements for calculating and reporting risk-based capital ratios for qualifying community banking organizations that opt into the framework.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">On <em style="font: inherit;"> April 6, 2020, </em>in a joint statement, the FDIC, Federal Reserve and the Office of Comptroller of the Currency (“OCC”), issued <em style="font: inherit;">two</em> interim final rules regarding temporary changes to the CBLR framework to implement provisions of the CARES Act. Under the interim final rules, the community bank leverage ratio was reduced to <em style="font: inherit;">8%</em> beginning in the <em style="font: inherit;">second</em> quarter and for the remainder of calendar year <em style="font: inherit;">2020,</em> <em style="font: inherit;">8.5%</em> for calendar year <em style="font: inherit;">2021,</em> and <em style="font: inherit;">9%</em> thereafter. In order to qualify for the CBLR framework, a community banking organization must have a tier <em style="font: inherit;">1</em> leverage ratio of greater than <em style="font: inherit;">8%,</em> less than <em style="font: inherit;">$10</em> billion in total consolidated assets, and limited amounts of off-balance-sheet exposures and trading assets and liabilities. A qualifying community banking organization that opts into the CBLR framework and meets all requirements under the framework will be considered to have met the well-capitalized ratio requirements under the Prompt Corrective Action regulations and will <em style="font: inherit;">not</em> be required to report or calculate risk-based capital. The Company has <em style="font: inherit;">not</em> opted-in to the CBLR framework.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">The following table presents actual and required capital ratios as of <em style="font: inherit;"> December </em><em style="font: inherit;">31,</em> <em style="font: inherit;">2022</em> and <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;"> December </em><em style="font: inherit;">31,</em> <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> based on the 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.</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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b/></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">As of <em style="font: inherit;"> December </em><em style="font: inherit;">31,</em> <em style="font: inherit;">2022</em> the most recent notification from the FDIC has categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain ratios as set forth in the table. There have been <em style="font: inherit;">no</em> conditions or events since that notification that management believes have changed the Bank's category. Capital ratios of the Company are substantially the same as the Bank’s.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-indent: 9pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; 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. The following table presents actual and required capital ratios as of <em style="font: inherit;"> December </em><em style="font: inherit;">31,</em> <em style="font: inherit;">2022</em> and <em style="font: inherit;">2021,</em> for the Bank under the Basel III Capital Rules.</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; width: 22%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; 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: 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; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; 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: 22%; 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;"><b>December 31, 2022</b></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; 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; width: 22%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </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; background-color: rgb(204, 238, 255);"><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;">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;"><b>$</b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>75,826</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>12.96</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>61,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>10.50</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>58,486</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>10.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>71,676</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>12.26</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>49,713</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>8.50</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>46,789</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>8.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>71,676</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>12.26</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>40,940</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>7.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>38,016</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>6.50</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>71,676</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>9.83</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>29,167</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>4.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>36,459</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>5.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></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; width: 22%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; 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: 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; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; 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; border-bottom: 1px solid rgb(0, 0, 0); width: 22%;"> <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); 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;">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); 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;">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); 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;">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); 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;">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); 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;">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); 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;">Ratio</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; 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%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </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; background-color: rgb(204, 238, 255);"><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;">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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -18pt;">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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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> <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; width: 22%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; 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: 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; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; 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: 22%; 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;"><b>December 31, 2022</b></p> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; border-bottom: 1px solid rgb(0, 0, 0);"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%; 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; width: 1%; 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; width: 1%; 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; width: 22%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </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; background-color: rgb(204, 238, 255);"><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;">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;"><b>$</b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>75,826</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>12.96</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New 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;"><b>$</b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>61,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>10.50</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>58,486</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>10.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>71,676</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>12.26</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>49,713</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>8.50</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>46,789</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>8.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>71,676</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>12.26</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>40,940</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>7.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>38,016</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>6.50</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>71,676</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>9.83</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>29,167</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>4.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>36,459</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b> </b></td><td style="width: 10%; text-align: right; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>5.00</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt;"><b>%</b></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; width: 22%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; 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: 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; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 1%;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin-left: 0pt; width: 14%;"> <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; 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; border-bottom: 1px solid rgb(0, 0, 0); width: 22%;"> <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); 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;">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); 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;">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); 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;">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); 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;">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); 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;">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); 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;">Ratio</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; 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%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </td><td style="font-family: &quot;Times New Roman&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: 10%;"> </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; background-color: rgb(204, 238, 255);"><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;">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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -18pt;">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; width: 22%;"> <p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt;">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> 75826000 0.1296 61410000 0.1050 58486000 0.1000 71676000 0.1226 49713000 0.0850 46789000 0.0800 71676000 0.1226 40940000 0.0700 38016000 0.0650 71676000 0.0983 29167000 0.0400 36459000 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 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">14.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Fair Value</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">Accounting standards define fair value as the price that would be received upon the sale of an asset or paid upon the transfer of a liability in an orderly transaction between market participants (an “exit” price). The price in the principal market used to measure the fair value of the asset or liability is <em style="font: inherit;">not</em> adjusted for transaction costs. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact.</p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">The standards require the use of valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the service capacity of an asset (replacement cost). Valuation techniques should be consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. The standards establish a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs.</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: auto;"><p style="margin: 0pt; text-align: justify; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </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-indent: 18pt;">The fair value hierarchy is 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: &quot;Times New Roman&quot;, 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 Company 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: &quot;Times New Roman&quot;, 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: &quot;Times New Roman&quot;, 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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">The Company uses the following methods and significant assumptions to estimate the fair values of the following 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" 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: &quot;Times New Roman&quot;, 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. For securities where quoted market prices for similar securities are <em style="font: inherit;">not</em> available, the book value of the security is used as the fair 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: &quot;Times New Roman&quot;, 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> <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: &quot;Times New Roman&quot;, 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. State of Maryland regulations require that OREO is written down to <em style="font: inherit;">$0</em> after a certain period of time.</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: &quot;Times New Roman&quot;, 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;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: auto;"><p style="margin: 0pt; text-align: justify; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"/> </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-indent: 18pt;">The following table summarizes financial assets measured at fair value on a recurring and nonrecurring basis as of <em style="font: inherit;"> December 31, 2022 </em>and <em style="font: inherit;">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: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="14" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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; 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: &quot;Times New Roman&quot;; 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; 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: &quot;Times New Roman&quot;; 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; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 44%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><span style="text-decoration: underline; ">December 31, 2022</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>552,281</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>552,281</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,019,797</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,019,797</b></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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>8,989,896</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>400,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>9,389,896</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>115,352,475</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>115,352,475</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>125,914,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>400,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>126,314,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity security at fair value</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>489,145</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>489,145</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,242,365</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,242,365</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>373,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>373,500</b></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><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: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>763,498</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>763,498</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,397,762</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,397,762</b></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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>8,584,207</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>650,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>9,234,207</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>137,842,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>137,842,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>148,587,916</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>650,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>149,237,916</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity security at fair value</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>543,605</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>543,605</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,242,365</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,242,365</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>373,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>373,500</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The following table provides information describing the unobservable inputs used in level <em style="font: inherit;">3</em> fair value measurements at <em style="font: inherit;"> December 31, 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> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 28%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2022 and 2021</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 19%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 19%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 1%;"> </td><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 9%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 2%;"> </td></tr> <tr style="vertical-align: bottom;"><td style="width: 26%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td style="width: 14%;"> </td><td style="width: 1%;"> </td><td style="width: 19%;"> </td><td style="width: 19%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td colspan="4" style="width: 9%;"> </td><td style="width: 2%;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 26%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of Asset</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td colspan="2" style="font-family: &quot;Times New Roman&quot;; 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;margin:0pt;">Fair Value</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Valuation technique</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Unobservable Inputs</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td colspan="5" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 10%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Range (Average)</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); width: 2%;"> </td></tr> <tr style="vertical-align: bottom;"><td style="width: 26%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td style="width: 14%;"> </td><td style="width: 1%;"> </td><td style="width: 19%;"> </td><td style="width: 19%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td colspan="4" style="width: 9%;"> </td><td style="width: 2%;"> </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; vertical-align: top; width: 26%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Loans with Impairment</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; vertical-align: top;">373,500</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Third party appraisals and in-house real estate valuations of fair value</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs and current market conditions</em></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; vertical-align: top;">0%</td><td style="width: 3%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top; text-align: center;"><em style="font: inherit;">to</em></td><td colspan="2" style="width: 6%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">20%</td><td style="width: 2%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">(10%)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="width: 26%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td style="width: 14%;"> </td><td style="width: 1%;"> </td><td style="width: 19%;"> </td><td style="width: 19%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td colspan="4" style="width: 9%;"> </td><td style="width: 2%;"> </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; vertical-align: top; width: 26%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other real estate loans</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; vertical-align: top;">1,242,365</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Third party appraisals and in-house real estate valuations of fair value</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs and current market conditions</em></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; vertical-align: top;">0%</td><td style="width: 3%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top; text-align: center;"><em style="font: inherit;">to</em></td><td colspan="2" rowspan="1" style="width: 6%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">10%</td><td style="width: 2%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">(5%)</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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b/></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" class="finTable" style="margin-right: 20%; margin-left: 54pt; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><span style="text-decoration: underline; ">Reconciliation of Level 3 Inputs</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><em style="font: inherit;">Corporate</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><em style="font: inherit;">Bonds</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; width: 81%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021 fair value</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>650,000</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Additions</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Principal payments received</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Transfer to level 2</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);"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>(250,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2022 fair value</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);"><b>$</b></td><td style="width: 16%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>400,000</b></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: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">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: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 52%;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>7,263,537</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>7,263,537</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">26,462,106</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">26,462,106</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>100,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>100,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">350,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">350,000</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,815,784</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,815,784</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">1,609,063</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">1,609,063</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>17,537,377</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>15,908,175</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">18,778,935</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">19,732,561</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>428,355</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>434,271</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">126,500</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">128,829</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,332,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,332,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">675,400</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">675,400</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>14,585,342</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>14,585,342</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">11,556,163</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">11,556,163</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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 (1)</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>2,971,620</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>2,971,620</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">3,073,040</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">3,073,040</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>516,920,540</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>503,144,771</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">482,011,334</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">487,012,970</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><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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>126,695,349</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>126,695,349</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">124,175,615</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">124,175,615</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Securities sold under repurchase agreements</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5,175,303</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5,175,303</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,414,026</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,414,026</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>496,915,775</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>492,769,775</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">502,239,055</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">502,396,172</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>20,000,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>19,622,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,000,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4,967,000</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>15,095,642</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>14,241,237</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">16,978,905</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">17,298,111</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>349,910</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>349,910</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">295,910</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">295,910</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </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" style="font-family:Times New Roman;font-size:10pt;width:100%;margin-left:auto;margin-right:auto;"><tbody><tr><td colspan="1" style="vertical-align:bottom;width:28.8%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">(<em style="font: inherit;">1</em>) - Debt securities recorded at book value with unrealized gain/loss estimated to be immaterial.</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:10pt;font-variant:normal;text-align:center;margin:0pt;"/> 0.10 0.10 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="14" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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; 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: &quot;Times New Roman&quot;; 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; 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: &quot;Times New Roman&quot;; 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; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 44%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><span style="text-decoration: underline; ">December 31, 2022</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>552,281</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>552,281</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,019,797</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,019,797</b></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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>8,989,896</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>400,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>9,389,896</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>115,352,475</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>115,352,475</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>125,914,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>400,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>126,314,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity security at fair value</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>489,145</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>489,145</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,242,365</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,242,365</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>373,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>373,500</b></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><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: &quot;Times New Roman&quot;; font-size: 10pt;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>763,498</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>763,498</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,397,762</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,397,762</b></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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>8,584,207</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>650,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>9,234,207</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>137,842,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>137,842,449</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>148,587,916</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 3px;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>650,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>149,237,916</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity security at fair value</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>543,605</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>543,605</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,242,365</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,242,365</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>373,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 11%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>373,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> 0 552281 0 552281 0 1019797 0 1019797 0 8989896 400000 9389896 0 115352475 0 115352475 0 125914449 400000 126314449 489145 0 0 489145 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: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 28%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2022 and 2021</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 19%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 19%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 1%;"> </td><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 9%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 2%;"> </td></tr> <tr style="vertical-align: bottom;"><td style="width: 26%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td style="width: 14%;"> </td><td style="width: 1%;"> </td><td style="width: 19%;"> </td><td style="width: 19%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td colspan="4" style="width: 9%;"> </td><td style="width: 2%;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 26%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Description of Asset</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td colspan="2" style="font-family: &quot;Times New Roman&quot;; 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;margin:0pt;">Fair Value</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Valuation technique</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Unobservable Inputs</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0); width: 1%;"> </td><td colspan="5" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); width: 10%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Range (Average)</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); width: 2%;"> </td></tr> <tr style="vertical-align: bottom;"><td style="width: 26%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td style="width: 14%;"> </td><td style="width: 1%;"> </td><td style="width: 19%;"> </td><td style="width: 19%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td colspan="4" style="width: 9%;"> </td><td style="width: 2%;"> </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; vertical-align: top; width: 26%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Loans with Impairment</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; vertical-align: top;">373,500</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Third party appraisals and in-house real estate valuations of fair value</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs and current market conditions</em></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; vertical-align: top;">0%</td><td style="width: 3%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top; text-align: center;"><em style="font: inherit;">to</em></td><td colspan="2" style="width: 6%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">20%</td><td style="width: 2%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">(10%)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="width: 26%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td style="width: 14%;"> </td><td style="width: 1%;"> </td><td style="width: 19%;"> </td><td style="width: 19%;"> </td><td style="width: 1%;"> </td><td style="width: 1%;"> </td><td colspan="4" style="width: 9%;"> </td><td style="width: 2%;"> </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; vertical-align: top; width: 26%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other real estate loans</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; vertical-align: top;">1,242,365</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Third party appraisals and in-house real estate valuations of fair value</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; width: 19%;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><em style="font: inherit;">Marketability/selling costs and current market conditions</em></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 6%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; vertical-align: top;">0%</td><td style="width: 3%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top; text-align: center;"><em style="font: inherit;">to</em></td><td colspan="2" rowspan="1" style="width: 6%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">10%</td><td style="width: 2%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; vertical-align: top;">(5%)</td></tr> </tbody></table> 373500 0 0.20 -0.10 1242365 0 0.10 -0.05 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 20%; margin-left: 54pt; width: 80%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="4" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><span style="text-decoration: underline; ">Reconciliation of Level 3 Inputs</span></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><em style="font: inherit;">Corporate</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><em style="font: inherit;">Bonds</em></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; width: 81%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2021 fair value</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>650,000</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Additions</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Principal payments received</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>-</b></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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Transfer to level 2</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);"><b> </b></td><td style="width: 16%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>(250,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">December 31, 2022 fair value</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);"><b>$</b></td><td style="width: 16%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 3px double rgb(0, 0, 0);"><b>400,000</b></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> 650000 0 -0 250000 400000 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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, 2022</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="6" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td colspan="2" style="text-align: center; font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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;; font-size: 10pt; width: 52%;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>7,263,537</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>7,263,537</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">26,462,106</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">26,462,106</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>100,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>100,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">350,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">350,000</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,815,784</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,815,784</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">1,609,063</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">1,609,063</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>17,537,377</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>15,908,175</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">18,778,935</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">19,732,561</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>428,355</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>434,271</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">126,500</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">128,829</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,332,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>1,332,500</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">675,400</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">675,400</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>14,585,342</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>14,585,342</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">11,556,163</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">11,556,163</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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 (1)</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>2,971,620</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>2,971,620</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">3,073,040</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">3,073,040</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>516,920,540</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>503,144,771</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">482,011,334</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">487,012,970</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><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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>126,695,349</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>126,695,349</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">124,175,615</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">124,175,615</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Securities sold under repurchase agreements</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5,175,303</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>5,175,303</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,414,026</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,414,026</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>496,915,775</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>492,769,775</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">502,239,055</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">502,396,172</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>20,000,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>19,622,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">5,000,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">4,967,000</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 style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>15,095,642</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>14,241,237</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">16,978,905</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">17,298,111</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>349,910</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>349,910</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">295,910</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 9%; text-align: right; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">295,910</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td></tr> </tbody></table> 7263537 7263537 26462106 26462106 100000 100000 350000 350000 1815784 1815784 1609063 1609063 17537377 15908175 18778935 19732561 428355 434271 126500 128829 1332500 1332500 675400 675400 14585342 14585342 11556163 11556163 2971620 2971620 3073040 3073040 516920540 503144771 482011334 487012970 126695349 126695349 124175615 124175615 5175303 5175303 5414026 5414026 496915775 492769775 502239055 502396172 20000000 19622000 5000000 4967000 15095642 14241237 16978905 17298111 349910 349910 295910 295910 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">15.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Parent Company Financial Information</b></p> </td></tr> </tbody></table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;text-indent:18pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt;">The condensed financial statements for the Company (parent only) are presented below:</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: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Balance Sheets</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 70%; 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;">December 31,</p> </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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2021</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b><em style="font: inherit;"><em style="font: inherit;">Assets</em></em></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Cash and cash equivalents</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>806,384</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">930,354</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Investment in subsidiaries</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>62,064,533</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">72,662,265</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other assets</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>158,127</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">185,866</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>63,029,044</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">73,778,485</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b><em style="font: inherit;"><em style="font: inherit;">Liabilities and Stockholders' Equity</em></em></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Long-term debt</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>15,095,642</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">16,978,905</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Accrued interest payable</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>158,439</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">178,122</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>15,254,081</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">17,157,027</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Stockholders' equity</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Common stock, par value $<span style="-sec-ix-hidden:c94660883"><span style="-sec-ix-hidden:c94660884">.01</span></span> per share, authorized <span style="-sec-ix-hidden:c94660885"><span style="-sec-ix-hidden:c94660886">5,000,000</span></span> shares; issued and outstanding <span style="-sec-ix-hidden:c94660887"><span style="-sec-ix-hidden:c94660889">3,071,214</span></span> in 2022 and <span style="-sec-ix-hidden:c94660888"><span style="-sec-ix-hidden:c94660890">3,037,137</span></span> shares in 2021</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>30,712</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">30,372</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Additional paid-in capital</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>29,549,914</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">28,857,422</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Retained earnings</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>35,300,166</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">29,128,600</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Accumulated other comprehensive income</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(17,105,829</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(1,394,936</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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>47,774,963</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">56,621,458</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </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);"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>63,029,044</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">73,778,485</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> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Statements of Income</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 70%; 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;">Years Ended December 31,</p> </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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Income</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Cash dividends from subsidiaries</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>3,574,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,595,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;">Total income</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,574,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">2,595,000</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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Interest expense - long-term debt</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(664,621</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(712,306</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Noninterest expense</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(90,969</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(537</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> </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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Income before income taxes and equity in (distributed) undistributed income of subsidiaries</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,818,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,882,157</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Income taxes (benefit)</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(158,556</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(149,486</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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Income before equity in (distributed) undistributed income of subsidiaries</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,976,966</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">2,031,643</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Dividends in excess of income of insurance subsidiary</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(247,472</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(100,019</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity in undistributed income of bank subsidiary</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>5,360,633</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">6,217,982</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Net Income</b></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);"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>8,090,127</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">8,149,606</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-size: 10pt; font-family: &quot;Times New Roman&quot;; 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: auto;"><p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b/></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" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Statements of Cash Flows</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></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></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; 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;">Years Ended December 31,</p> </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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2021</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Cash flows from operating activities</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Net Income</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>8,090,127</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">8,149,606</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Adjustments to reconcile net income to net cash provided by operating activities:</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Equity in undistributed income of bank subsidiary</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(5,360,633</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(6,217,982</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Decrease in accrued interest payable</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(19,683</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(1,935</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Amortization of debt issuance costs</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>5,625</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">5,625</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Change in income tax receivable</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>27,739</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(149,486</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">)</td></tr> <tr class="GFJY4-DIN-com-rdg-thunderdome-client-resources-CssResource-html-element-highlighted" style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Dividend received in excess of income of insurance subsidiary</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);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>247,472</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">100,019</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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;"><b>Cash provided by operating activities</b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>2,990,647</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">1,885,847</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Cash flows from investing activities</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;"><b>Cash used by investing activities</b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Cash flows from financing activities</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(1,888,888</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Dividends paid, net of reinvestments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(1,225,729</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(1,156,418</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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;"><b>Cash used in financing activities</b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(3,114,617</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(1,156,418</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(255, 255, 255);"><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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Net (decrease) increase in cash and cash equivalents</b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(123,970</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">729,429</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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Cash and cash equivalents at beginning of period</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>930,354</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">200,925</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Cash and cash equivalents at end of period</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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>806,384</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">930,354</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="margin: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;;"> </p> <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Balance Sheets</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 70%; 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;">December 31,</p> </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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2021</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b><em style="font: inherit;"><em style="font: inherit;">Assets</em></em></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Cash and cash equivalents</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>806,384</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">930,354</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Investment in subsidiaries</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>62,064,533</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">72,662,265</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Other assets</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>158,127</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">185,866</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </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);"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>63,029,044</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">73,778,485</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b><em style="font: inherit;"><em style="font: inherit;">Liabilities and Stockholders' Equity</em></em></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Long-term debt</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>15,095,642</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">16,978,905</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Accrued interest payable</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>158,439</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">178,122</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>15,254,081</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">17,157,027</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Stockholders' equity</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Common stock, par value $<span style="-sec-ix-hidden:c94660883"><span style="-sec-ix-hidden:c94660884">.01</span></span> per share, authorized <span style="-sec-ix-hidden:c94660885"><span style="-sec-ix-hidden:c94660886">5,000,000</span></span> shares; issued and outstanding <span style="-sec-ix-hidden:c94660887"><span style="-sec-ix-hidden:c94660889">3,071,214</span></span> in 2022 and <span style="-sec-ix-hidden:c94660888"><span style="-sec-ix-hidden:c94660890">3,037,137</span></span> shares in 2021</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>30,712</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">30,372</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Additional paid-in capital</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>29,549,914</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">28,857,422</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Retained earnings</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>35,300,166</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">29,128,600</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Accumulated other comprehensive income</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(17,105,829</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(1,394,936</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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>47,774,963</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">56,621,458</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> </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);"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>63,029,044</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">73,778,485</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> 806384 930354 62064533 72662265 158127 185866 63029044 73778485 15095642 16978905 158439 178122 15254081 17157027 30712 30372 29549914 28857422 35300166 29128600 -17105829 -1394936 47774963 56621458 63029044 73778485 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="width: 100%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td colspan="8" style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Statements of Income</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 70%; 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;">Years Ended December 31,</p> </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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Income</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Cash dividends from subsidiaries</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>3,574,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0);">$</td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">2,595,000</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;">Total income</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>3,574,000</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">2,595,000</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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Interest expense - long-term debt</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(664,621</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(712,306</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Noninterest expense</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(90,969</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(537</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> </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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Income before income taxes and equity in (distributed) undistributed income of subsidiaries</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,818,410</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">1,882,157</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Income taxes (benefit)</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(158,556</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(149,486</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(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt; text-indent: -9pt;">Income before equity in (distributed) undistributed income of subsidiaries</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>2,976,966</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">2,031,643</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Dividends in excess of income of insurance subsidiary</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(247,472</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(100,019</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Equity in undistributed income of bank subsidiary</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>5,360,633</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">6,217,982</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Net Income</b></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);"><b>$</b></td><td style="width: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>8,090,127</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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: 12%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">8,149,606</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> 3574000 2595000 3574000 2595000 664621 712306 90969 537 2818410 1882157 -158556 -149486 2976966 2031643 247472 100019 5360633 6217982 8090127 8149606 <table border="0" cellpadding="0" cellspacing="0" class="finTable" style="margin-right: 10%; margin-left: 36pt; width: 90%; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-indent: 0px;"><tbody><tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; width: 66%;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Statements of Cash Flows</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></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></tr> <tr style="vertical-align: bottom;"><td style="font-family: &quot;Times New Roman&quot;; 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;">Years Ended December 31,</p> </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: &quot;Times New Roman&quot;; 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;"><b><b>2022</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; 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: &quot;Times New Roman&quot;; 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;"><b><b>2021</b></b></p> </td><td style="font-family: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Cash flows from operating activities</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Net Income</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>8,090,127</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">8,149,606</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt; text-indent: -9pt;">Adjustments to reconcile net income to net cash provided by operating activities:</p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Equity in undistributed income of bank subsidiary</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(5,360,633</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(6,217,982</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Decrease in accrued interest payable</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(19,683</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(1,935</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Amortization of debt issuance costs</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>5,625</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">5,625</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(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Change in income tax receivable</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>27,739</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">(149,486</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;">)</td></tr> <tr class="GFJY4-DIN-com-rdg-thunderdome-client-resources-CssResource-html-element-highlighted" style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 18pt;">Dividend received in excess of income of insurance subsidiary</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);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);"><b>247,472</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 1px solid rgb(0, 0, 0);">100,019</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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;"><b>Cash provided by operating activities</b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>2,990,647</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">1,885,847</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Cash flows from investing activities</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;"><b>Cash used by investing activities</b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>-</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </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></tr> <tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Cash flows from financing activities</b></p> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></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;"> <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: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(1,888,888</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">-</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 style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 9pt;">Dividends paid, net of reinvestments</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(1,225,729</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(1,156,418</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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 27pt;"><b>Cash used in financing activities</b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>(3,114,617</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 1px;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">(1,156,418</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(255, 255, 255);"><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: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;"><b>Net (decrease) increase in cash and cash equivalents</b></p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;"><b>(123,970</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt;"><b>)</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right;">729,429</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></tr> <tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"><td style="font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Cash and cash equivalents at beginning of period</p> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; border-bottom: 1px solid rgb(0, 0, 0);"><b> </b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;"><b>930,354</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; padding-bottom: 1px; margin-left: 0pt;"> </td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt;"> </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: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; border-bottom: 1px solid rgb(0, 0, 0); text-align: right;">200,925</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; 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;; font-size: 10pt;"> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt;">Cash and cash equivalents at end of period</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);"><b>$</b></td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);"><b>806,384</b></td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </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);">$</td><td style="width: 14%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; text-align: right; border-bottom: 3px double rgb(0, 0, 0);">930,354</td><td style="width: 1%; font-family: &quot;Times New Roman&quot;; font-size: 10pt; margin-left: 0pt; padding-bottom: 3px;"> </td></tr> </tbody></table> 8090127 8149606 5360633 6217982 -19683 -1935 5625 5625 -27739 149486 247472 100019 2990647 1885847 0 0 -1888888 0 1225729 1156418 -3114617 -1156418 -123970 729429 930354 200925 806384 930354 <table border="0" cellpadding="0" cellspacing="0" style="width: 100%; text-indent: 0px;"><tbody><tr style="vertical-align: top;"><td style="width: 36pt;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><em style="font: inherit;">16.</em></p> </td><td style="width: auto;"> <p style="margin: 0pt; text-align: left; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt;"><b>Litigation</b></p> </td></tr> </tbody></table> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 36pt; text-indent: 18pt; text-align: justify;">In the ordinary course of its business, the Company is periodically party to various legal actions normally associated with a financial institution. Management does <em style="font: inherit;">not</em> believe that any of these normal course proceedings are likely to have a material adverse effect on the financial condition or liquidity of the Company.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> EXCEL 97 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0 ( /UY:E8'04UB@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 " #]>6I6+>?0U.X K @ $0 &1O8U!R;W!S+V-O&ULS9+! 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